Call reports 2025
WSB MUNICIPAL BANK — 2025
What WSB MUNICIPAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 153,696,000 | 150,482,000 | 152,605,000 | 153,058,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 143,964,000 | 140,824,000 | 146,693,000 | 143,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,330,000 | 104,717,000 | 111,393,000 | 96,312,000 |
| Interest-bearing deposits | 62,910,000 | 56,669,000 | 64,722,000 | 56,385,000 |
| Noninterest-bearing deposits | 59,420,000 | 48,048,000 | 46,671,000 | 39,927,000 |
| Equity capital | 18,789,000 | 20,113,000 | 21,408,000 | 22,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,854,000 | 2,988,000 | 4,189,000 |
| Interest expense | 183,000 | 376,000 | 568,000 | 746,000 |
| Net interest income | 675,000 | 1,478,000 | 2,420,000 | 3,443,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 29,000 | 55,000 | 84,000 | 109,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 646,000 | 1,423,000 | 2,336,000 | 3,334,000 |
| Income tax | 137,000 | 301,000 | 493,000 | 630,000 |
| Net income | 509,000 | 1,122,000 | 1,843,000 | 2,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,548,000 | 21,161,000 | 21,883,000 | 22,743,000 |