Call reports 2005
WSB MUNICIPAL BANK — 2005
What WSB MUNICIPAL 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 | 88,155,000 | 88,664,000 | 89,164,000 | 84,067,000 |
| Total loans | 45,768,000 | 46,718,000 | 46,697,000 | 47,335,000 |
| Allowance for loan losses | 509,000 | 520,000 | 509,000 | 508,000 |
| Securities available for sale | 23,215,000 | 24,487,000 | 24,207,000 | 23,814,000 |
| Securities held to maturity | 4,807,000 | 1,846,000 | 1,943,000 | 1,517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,412,000 | 80,675,000 | 81,004,000 | 75,883,000 |
| Interest-bearing deposits | 61,905,000 | 58,242,000 | 56,933,000 | 58,024,000 |
| Noninterest-bearing deposits | 18,507,000 | 22,433,000 | 24,071,000 | 17,859,000 |
| Equity capital | 7,317,000 | 7,539,000 | 7,614,000 | 7,532,000 |
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 | 1,063,000 | 2,138,000 | 3,250,000 | 4,379,000 |
| Interest expense | 240,000 | 483,000 | 710,000 | 963,000 |
| Net interest income | 823,000 | 1,655,000 | 2,540,000 | 3,416,000 |
| Noninterest income | 161,000 | 328,000 | 536,000 | 676,000 |
| Noninterest expense | 771,000 | 1,565,000 | 2,422,000 | 3,264,000 |
| Provision for loan losses | 0 | 9,000 | 28,000 | 28,000 |
| Pretax income | 213,000 | 409,000 | 626,000 | 800,000 |
| Income tax | 75,000 | 152,000 | 237,000 | 295,000 |
| Net income | 138,000 | 257,000 | 389,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,566,000 | 7,625,000 | 7,867,000 | 7,870,000 |
| Total capital | 8,075,000 | 8,145,000 | 8,376,000 | 8,378,000 |
| Risk-weighted assets | 55,752,000 | 55,861,000 | 55,995,000 | 55,077,000 |