Call reports 2005
WASHINGTON STATE BANK — 2005
What WASHINGTON STATE 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 | 86,980,000 | 89,584,000 | 88,632,000 | 94,544,000 |
| Total loans | 52,049,000 | 53,628,000 | 55,590,000 | 57,483,000 |
| Allowance for loan losses | 864,000 | 828,000 | 846,000 | 933,000 |
| Securities available for sale | 28,759,000 | 24,848,000 | 27,404,000 | 26,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,087,000 | 74,130,000 | 74,269,000 | 80,364,000 |
| Interest-bearing deposits | 55,337,000 | 54,966,000 | 55,034,000 | 59,899,000 |
| Noninterest-bearing deposits | 18,750,000 | 19,164,000 | 19,235,000 | 20,465,000 |
| Equity capital | 10,097,000 | 10,580,000 | 9,688,000 | 9,720,000 |
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 | 1,089,000 | 2,381,000 | 3,751,000 | 5,157,000 |
| Interest expense | 249,000 | 518,000 | 856,000 | 1,205,000 |
| Net interest income | 840,000 | 1,863,000 | 2,895,000 | 3,952,000 |
| Noninterest income | 153,000 | 294,000 | 432,000 | 554,000 |
| Noninterest expense | 721,000 | 1,422,000 | 2,177,000 | 2,891,000 |
| Provision for loan losses | 20,000 | 84,000 | 113,000 | 143,000 |
| Pretax income | 231,000 | 630,000 | 1,017,000 | 1,452,000 |
| Income tax | 39,000 | 166,000 | 290,000 | 434,000 |
| Net income | 192,000 | 464,000 | 727,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,290,000 | 10,562,000 | 9,806,000 | 9,946,000 |
| Total capital | 11,050,000 | 11,390,000 | 10,625,000 | 10,805,000 |
| Risk-weighted assets | 60,687,000 | 68,370,000 | 65,485,000 | 68,622,000 |
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