Call reports 2007
WASHINGTON STATE BANK — 2007
What WASHINGTON STATE 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 | 203,029,000 | 203,124,000 | 206,933,000 | 206,945,000 |
| Total loans | 143,969,000 | 147,297,000 | 148,900,000 | 148,467,000 |
| Allowance for loan losses | 1,614,000 | 1,607,000 | 1,572,000 | 1,633,000 |
| Securities available for sale | 43,374,000 | 42,242,000 | 42,018,000 | 43,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,720,000 | 157,652,000 | 158,297,000 | 165,666,000 |
| Interest-bearing deposits | 144,531,000 | 142,028,000 | 142,054,000 | 144,976,000 |
| Noninterest-bearing deposits | 16,189,000 | 15,624,000 | 16,243,000 | 20,690,000 |
| Equity capital | 24,946,000 | 25,399,000 | 26,395,000 | 25,725,000 |
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 | 2,970,000 | 6,119,000 | 9,316,000 | 12,560,000 |
| Interest expense | 1,532,000 | 3,146,000 | 4,816,000 | 6,425,000 |
| Net interest income | 1,438,000 | 2,973,000 | 4,500,000 | 6,135,000 |
| Noninterest income | 248,000 | 465,000 | 660,000 | 972,000 |
| Noninterest expense | 718,000 | 1,463,000 | 2,187,000 | 3,268,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 180,000 |
| Pretax income | 938,000 | 1,915,000 | 2,883,000 | 3,659,000 |
| Income tax | 305,000 | 615,000 | 930,000 | 1,158,000 |
| Net income | 633,000 | 1,300,000 | 1,953,000 | 2,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,122,000 | 25,790,000 | 26,442,000 | 25,585,000 |
| Total capital | 26,736,000 | 27,397,000 | 28,014,000 | 27,218,000 |
| Risk-weighted assets | 132,508,000 | 134,076,000 | 135,519,000 | 134,959,000 |