Call reports 2001
WSB MUNICIPAL BANK — 2001
What WSB MUNICIPAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 69,196,000 | 67,064,000 | 73,132,000 | 73,649,000 |
| Total loans | 42,863,000 | 42,043,000 | 40,720,000 | 41,248,000 |
| Allowance for loan losses | 414,000 | 440,000 | 457,000 | 466,000 |
| Securities available for sale | 10,268,000 | 8,993,000 | 7,767,000 | 5,563,000 |
| Securities held to maturity | 7,695,000 | 7,696,000 | 7,180,000 | 15,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,199,000 | 60,124,000 | 65,761,000 | 66,365,000 |
| Interest-bearing deposits | 51,377,000 | 46,729,000 | 49,035,000 | 51,995,000 |
| Noninterest-bearing deposits | 10,822,000 | 13,395,000 | 16,726,000 | 14,370,000 |
| Equity capital | 6,361,000 | 6,377,000 | 6,643,000 | 6,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,323,000 | 2,623,000 | 3,858,000 | 5,007,000 |
| Interest expense | 586,000 | 1,150,000 | 1,637,000 | 2,092,000 |
| Net interest income | 737,000 | 1,473,000 | 2,221,000 | 2,915,000 |
| Noninterest income | 174,000 | 327,000 | 507,000 | 676,000 |
| Noninterest expense | 619,000 | 1,298,000 | 1,953,000 | 2,650,000 |
| Provision for loan losses | 28,000 | 55,000 | 83,000 | 92,000 |
| Pretax income | 264,000 | 447,000 | 692,000 | 849,000 |
| Income tax | 71,000 | 136,000 | 226,000 | 296,000 |
| Net income | 193,000 | 311,000 | 466,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,327,000 | 6,388,000 | 6,561,000 | 6,559,000 |
| Total capital | 6,741,000 | 6,828,000 | 7,018,000 | 7,025,000 |
| Risk-weighted assets | 44,233,000 | 43,923,000 | 44,819,000 | 46,021,000 |