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 | 40,889,000 | 41,891,000 | 41,974,000 | 42,026,000 |
| Total loans | 21,160,000 | 20,934,000 | 20,538,000 | 20,452,000 |
| Allowance for loan losses | 136,000 | 137,000 | 138,000 | 136,000 |
| Securities available for sale | 12,073,000 | 12,313,000 | 12,149,000 | 13,165,000 |
| Securities held to maturity | 3,080,000 | 3,073,000 | 2,796,000 | 2,462,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,450,000 | 37,522,000 | 37,376,000 | 37,467,000 |
| Interest-bearing deposits | 30,538,000 | 31,626,000 | 30,926,000 | 29,504,000 |
| Noninterest-bearing deposits | 5,912,000 | 5,896,000 | 6,450,000 | 7,963,000 |
| Equity capital | 4,154,000 | 4,140,000 | 4,318,000 | 4,105,000 |
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 | 495,000 | 981,000 | 1,466,000 | 1,954,000 |
| Interest expense | 94,000 | 188,000 | 283,000 | 375,000 |
| Net interest income | 401,000 | 793,000 | 1,183,000 | 1,579,000 |
| Noninterest income | 38,000 | 79,000 | 118,000 | 158,000 |
| Noninterest expense | 232,000 | 471,000 | 714,000 | 1,053,000 |
| Provision for loan losses | 0 | 0 | 0 | 6,000 |
| Pretax income | 208,000 | 402,000 | 603,000 | 694,000 |
| Income tax | 68,000 | 133,000 | 208,000 | 216,000 |
| Net income | 140,000 | 269,000 | 395,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,972,000 | 4,101,000 | 4,228,000 | 4,060,000 |
| Total capital | 4,108,000 | 4,238,000 | 4,366,000 | 4,196,000 |
| Risk-weighted assets | 20,058,000 | 20,190,000 | 19,835,000 | 19,900,000 |