Call reports 2006
WSB MUNICIPAL BANK — 2006
What WSB MUNICIPAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 84,531,000 | 89,753,000 | 94,102,000 | 89,454,000 |
| Total loans | 47,617,000 | 51,073,000 | 51,084,000 | 52,497,000 |
| Allowance for loan losses | 508,000 | 508,000 | 508,000 | 488,000 |
| Securities available for sale | 23,937,000 | 23,230,000 | 8,804,000 | 21,587,000 |
| Securities held to maturity | 1,472,000 | 1,399,000 | 16,323,000 | 71,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,388,000 | 81,600,000 | 85,298,000 | 80,713,000 |
| Interest-bearing deposits | 59,348,000 | 62,600,000 | 65,698,000 | 63,590,000 |
| Noninterest-bearing deposits | 17,040,000 | 19,000,000 | 19,600,000 | 17,123,000 |
| Equity capital | 7,547,000 | 7,493,000 | 8,015,000 | 7,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,099,000 | 2,281,000 | 3,573,000 | 4,880,000 |
| Interest expense | 309,000 | 701,000 | 1,147,000 | 1,627,000 |
| Net interest income | 790,000 | 1,580,000 | 2,426,000 | 3,253,000 |
| Noninterest income | 149,000 | 308,000 | 477,000 | 620,000 |
| Noninterest expense | 781,000 | 1,600,000 | 2,424,000 | 3,313,000 |
| Provision for loan losses | 0 | 0 | 0 | -20,000 |
| Pretax income | 150,000 | 280,000 | 471,000 | 572,000 |
| Income tax | 33,000 | 80,000 | 156,000 | 202,000 |
| Net income | 117,000 | 200,000 | 315,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,988,000 | 8,005,000 | 8,121,000 | 8,053,000 |
| Total capital | 8,496,000 | 8,513,000 | 8,629,000 | 8,541,000 |
| Risk-weighted assets | 55,284,000 | 58,314,000 | 59,089,000 | 58,472,000 |