Call reports 2007
WESTAMERICA BANK — 2007
What WESTAMERICA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 4,704,880,000 | 4,602,678,000 | 4,612,978,000 | 4,517,718,000 |
| Total loans | 2,519,898,000 | 2,521,738,000 | 2,511,374,000 | 2,502,976,000 |
| Allowance for loan losses | 54,889,000 | 53,473,000 | 52,938,000 | 52,506,000 |
| Securities available for sale | 596,931,000 | 577,998,000 | 566,154,000 | 528,565,000 |
| Securities held to maturity | 1,142,382,000 | 1,104,131,000 | 1,081,010,000 | 1,045,288,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,448,464,000 | 3,338,515,000 | 3,344,064,000 | 3,270,419,000 |
| Interest-bearing deposits | 2,683,093,000 | 2,596,592,000 | 2,613,268,000 | 2,521,976,000 |
| Noninterest-bearing deposits | 765,371,000 | 741,923,000 | 730,796,000 | 748,443,000 |
| Equity capital | 443,843,000 | 434,588,000 | 430,215,000 | 419,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 59,317,000 | 118,608,000 | 177,849,000 | 235,656,000 |
| Interest expense | 17,319,000 | 35,315,000 | 53,629,000 | 69,341,000 |
| Net interest income | 41,998,000 | 83,293,000 | 124,220,000 | 166,315,000 |
| Noninterest income | 14,348,000 | 29,064,000 | 43,743,000 | 58,247,000 |
| Noninterest expense | 25,944,000 | 51,936,000 | 77,916,000 | 105,742,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 700,000 |
| Pretax income | 30,327,000 | 60,271,000 | 89,822,000 | 118,120,000 |
| Income tax | 7,920,000 | 15,748,000 | 23,389,000 | 30,518,000 |
| Net income | 22,407,000 | 44,523,000 | 66,433,000 | 87,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 293,894,000 | 289,716,000 | 285,332,000 | 280,207,000 |
| Total capital | 337,704,000 | 333,144,000 | 328,725,000 | 323,264,000 |
| Risk-weighted assets | 2,999,688,000 | 2,969,795,000 | 2,967,455,000 | 2,943,058,000 |