Call reports 2005
WESTAMERICA BANK — 2005
What WESTAMERICA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 5,162,784,000 | 5,162,290,000 | 5,129,878,000 | 5,117,653,000 |
| Total loans | 2,708,052,000 | 2,687,566,000 | 2,675,907,000 | 2,672,220,000 |
| Allowance for loan losses | 56,941,000 | 56,483,000 | 55,986,000 | 55,849,000 |
| Securities available for sale | 712,155,000 | 685,073,000 | 654,822,000 | 656,710,000 |
| Securities held to maturity | 1,331,870,000 | 1,349,555,000 | 1,358,266,000 | 1,337,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,946,730,000 | 3,841,077,000 | 3,882,645,000 | 3,854,191,000 |
| Interest-bearing deposits | 3,130,541,000 | 3,027,616,000 | 3,078,095,000 | 3,043,030,000 |
| Noninterest-bearing deposits | 816,189,000 | 813,461,000 | 804,550,000 | 811,161,000 |
| Equity capital | 478,940,000 | 463,675,000 | 461,404,000 | 458,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 56,139,000 | 117,610,000 | 179,293,000 | 241,468,000 |
| Interest expense | 7,796,000 | 17,750,000 | 29,027,000 | 40,803,000 |
| Net interest income | 48,343,000 | 99,860,000 | 150,266,000 | 200,665,000 |
| Noninterest income | 10,565,000 | 24,117,000 | 40,530,000 | 54,483,000 |
| Noninterest expense | 24,868,000 | 52,944,000 | 80,504,000 | 107,438,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 28,837,000 | 65,530,000 | 104,639,000 | 141,907,000 |
| Income tax | 7,892,000 | 18,154,000 | 29,283,000 | 39,799,000 |
| Net income | 20,945,000 | 47,376,000 | 75,356,000 | 102,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 316,309,000 | 300,040,000 | 303,891,000 | 305,138,000 |
| Total capital | 363,821,000 | 347,306,000 | 350,718,000 | 351,842,000 |
| Risk-weighted assets | 3,297,235,000 | 3,275,881,000 | 3,243,659,000 | 3,233,847,000 |