Call reports 2007
WSB MUNICIPAL BANK — 2007
What WSB MUNICIPAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 93,026,000 | 92,387,000 | 98,043,000 | 91,057,000 |
| Total loans | 55,106,000 | 56,953,000 | 55,498,000 | 55,545,000 |
| Allowance for loan losses | 487,000 | 483,000 | 437,000 | 404,000 |
| Securities available for sale | 21,701,000 | 21,610,000 | 19,402,000 | 18,705,000 |
| Securities held to maturity | 71,000 | 71,000 | 71,000 | 64,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,130,000 | 83,453,000 | 88,874,000 | 81,982,000 |
| Interest-bearing deposits | 65,469,000 | 62,933,000 | 67,071,000 | 63,343,000 |
| Noninterest-bearing deposits | 18,661,000 | 20,520,000 | 21,803,000 | 18,639,000 |
| Equity capital | 7,948,000 | 7,971,000 | 8,288,000 | 8,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,278,000 | 2,633,000 | 4,002,000 | 5,334,000 |
| Interest expense | 503,000 | 1,058,000 | 1,631,000 | 2,211,000 |
| Net interest income | 775,000 | 1,575,000 | 2,371,000 | 3,123,000 |
| Noninterest income | 209,000 | 384,000 | 562,000 | 692,000 |
| Noninterest expense | 803,000 | 1,554,000 | 2,445,000 | 3,549,000 |
| Provision for loan losses | 0 | 0 | -30,000 | -30,000 |
| Pretax income | 181,000 | 405,000 | 518,000 | 296,000 |
| Income tax | 65,000 | 159,000 | 182,000 | 107,000 |
| Net income | 116,000 | 246,000 | 336,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,173,000 | 8,250,000 | 8,391,000 | 8,243,000 |
| Total capital | 8,660,000 | 8,733,000 | 8,828,000 | 8,647,000 |
| Risk-weighted assets | 60,662,000 | 61,906,000 | 61,668,000 | 59,061,000 |