Call reports 2025
WASHINGTON STATE BANK — 2025
What WASHINGTON STATE 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 | 568,129,000 | 568,071,000 | 592,763,000 | 588,904,000 |
| Total loans | 329,007,000 | 331,454,000 | 344,394,000 | 348,318,000 |
| Allowance for loan losses | 4,620,000 | 4,682,000 | 5,196,000 | 4,752,000 |
| Securities available for sale | 188,059,000 | 184,265,000 | 191,277,000 | 192,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,612,000 | 508,739,000 | 526,763,000 | 519,920,000 |
| Interest-bearing deposits | 417,531,000 | 440,823,000 | 458,242,000 | 448,420,000 |
| Noninterest-bearing deposits | 84,081,000 | 67,916,000 | 68,521,000 | 71,500,000 |
| Equity capital | 39,137,000 | 35,497,000 | 42,308,000 | 42,951,000 |
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 | 7,636,000 | 15,311,000 | 23,288,000 | 31,297,000 |
| Interest expense | 3,272,000 | 6,555,000 | 9,822,000 | 13,045,000 |
| Net interest income | 4,364,000 | 8,756,000 | 13,466,000 | 18,252,000 |
| Noninterest income | 432,000 | 840,000 | 1,338,000 | 1,749,000 |
| Noninterest expense | 2,143,000 | 4,264,000 | 6,624,000 | 9,101,000 |
| Provision for loan losses | 150,000 | 210,000 | 770,000 | 1,130,000 |
| Pretax income | 2,503,000 | 5,122,000 | 7,410,000 | 9,770,000 |
| Income tax | 513,000 | 1,016,000 | 1,452,000 | 1,938,000 |
| Net income | 1,990,000 | 4,106,000 | 5,958,000 | 7,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,233,000 | 75,186,000 | 76,875,000 | 76,040,000 |
| Total capital | 77,853,000 | 79,831,000 | 81,601,000 | 80,736,000 |
| Risk-weighted assets | 371,230,000 | 371,585,000 | 377,611,000 | 375,626,000 |