Call reports 2005
WASHINGTON STATE BANK — 2005
What WASHINGTON STATE 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 | 176,355,000 | 175,812,000 | 180,970,000 | 179,695,000 |
| Total loans | 118,199,000 | 121,372,000 | 127,263,000 | 125,968,000 |
| Allowance for loan losses | 1,427,000 | 1,415,000 | 1,392,000 | 1,417,000 |
| Securities available for sale | 47,203,000 | 45,566,000 | 42,097,000 | 42,562,000 |
| Securities held to maturity | 90,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,073,000 | 143,233,000 | 141,648,000 | 143,603,000 |
| Interest-bearing deposits | 119,844,000 | 129,075,000 | 127,271,000 | 126,261,000 |
| Noninterest-bearing deposits | 24,229,000 | 14,158,000 | 14,377,000 | 17,342,000 |
| Equity capital | 22,720,000 | 23,553,000 | 24,012,000 | 23,095,000 |
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 | 2,336,000 | 4,710,000 | 7,157,000 | 9,679,000 |
| Interest expense | 809,000 | 1,678,000 | 2,620,000 | 3,632,000 |
| Net interest income | 1,527,000 | 3,032,000 | 4,537,000 | 6,047,000 |
| Noninterest income | 176,000 | 328,000 | 443,000 | 722,000 |
| Noninterest expense | 667,000 | 1,325,000 | 1,994,000 | 3,035,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 98,000 |
| Pretax income | 1,024,000 | 2,011,000 | 2,950,000 | 3,636,000 |
| Income tax | 319,000 | 638,000 | 947,000 | 1,086,000 |
| Net income | 705,000 | 1,373,000 | 2,003,000 | 2,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,996,000 | 23,663,000 | 24,294,000 | 23,478,000 |
| Total capital | 24,292,000 | 25,067,000 | 25,686,000 | 24,895,000 |
| Risk-weighted assets | 103,572,000 | 111,895,000 | 117,021,000 | 113,968,000 |