Call reports 2004
WASHINGTON STATE BANK — 2004
What WASHINGTON STATE 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 | 164,440,000 | 166,918,000 | 170,453,000 | 177,327,000 |
| Total loans | 109,482,000 | 112,097,000 | 114,734,000 | 115,930,000 |
| Allowance for loan losses | 1,443,000 | 1,446,000 | 1,348,000 | 1,442,000 |
| Securities available for sale | 44,960,000 | 44,680,000 | 44,567,000 | 47,960,000 |
| Securities held to maturity | 630,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,508,000 | 138,252,000 | 140,584,000 | 146,068,000 |
| Interest-bearing deposits | 113,542,000 | 116,732,000 | 120,734,000 | 123,473,000 |
| Noninterest-bearing deposits | 22,966,000 | 21,520,000 | 19,850,000 | 22,595,000 |
| Equity capital | 21,060,000 | 21,341,000 | 22,153,000 | 22,291,000 |
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 | 2,196,000 | 4,461,000 | 6,712,000 | 9,019,000 |
| Interest expense | 664,000 | 1,345,000 | 2,050,000 | 2,837,000 |
| Net interest income | 1,532,000 | 3,116,000 | 4,662,000 | 6,182,000 |
| Noninterest income | 175,000 | 329,000 | 459,000 | 713,000 |
| Noninterest expense | 634,000 | 1,253,000 | 1,945,000 | 2,988,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 192,000 |
| Pretax income | 1,058,000 | 2,162,000 | 3,134,000 | 3,718,000 |
| Income tax | 345,000 | 700,000 | 1,011,000 | 1,180,000 |
| Net income | 713,000 | 1,462,000 | 2,123,000 | 2,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,565,000 | 21,314,000 | 21,976,000 | 22,291,000 |
| Total capital | 21,750,000 | 22,530,000 | 23,227,000 | 23,565,000 |
| Risk-weighted assets | 94,570,000 | 97,034,000 | 99,954,000 | 101,751,000 |