Call reports 2004
WSB MUNICIPAL BANK — 2004
What WSB MUNICIPAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 87,795,000 | 90,770,000 | 95,071,000 | 91,126,000 |
| Total loans | 46,388,000 | 46,931,000 | 45,183,000 | 45,280,000 |
| Allowance for loan losses | 535,000 | 542,000 | 552,000 | 536,000 |
| Securities available for sale | 26,409,000 | 25,326,000 | 24,246,000 | 24,192,000 |
| Securities held to maturity | 4,852,000 | 4,886,000 | 4,837,000 | 4,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,883,000 | 83,253,000 | 87,057,000 | 83,174,000 |
| Interest-bearing deposits | 63,451,000 | 63,988,000 | 65,254,000 | 63,411,000 |
| Noninterest-bearing deposits | 16,432,000 | 19,265,000 | 21,803,000 | 19,763,000 |
| Equity capital | 7,393,000 | 7,021,000 | 7,433,000 | 7,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,064,000 | 2,117,000 | 3,191,000 | 4,264,000 |
| Interest expense | 278,000 | 551,000 | 817,000 | 1,078,000 |
| Net interest income | 786,000 | 1,566,000 | 2,374,000 | 3,186,000 |
| Noninterest income | 164,000 | 346,000 | 571,000 | 810,000 |
| Noninterest expense | 752,000 | 1,559,000 | 2,375,000 | 3,256,000 |
| Provision for loan losses | 9,000 | 18,000 | 28,000 | 28,000 |
| Pretax income | 189,000 | 335,000 | 542,000 | 712,000 |
| Income tax | 47,000 | 92,000 | 157,000 | 237,000 |
| Net income | 142,000 | 243,000 | 385,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,255,000 | 7,293,000 | 7,451,000 | 7,425,000 |
| Total capital | 7,790,000 | 7,835,000 | 8,003,000 | 7,961,000 |
| Risk-weighted assets | 55,188,000 | 55,785,000 | 55,613,000 | 54,614,000 |