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 | 41,225,000 | 40,622,000 | 39,647,000 | 41,222,000 |
| Total loans | 20,739,000 | 20,134,000 | 20,393,000 | 21,530,000 |
| Allowance for loan losses | 136,000 | 135,000 | 135,000 | 136,000 |
| Securities available for sale | 12,808,000 | 13,160,000 | 13,412,000 | 13,963,000 |
| Securities held to maturity | 2,553,000 | 2,548,000 | 2,798,000 | 1,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,898,000 | 36,136,000 | 35,091,000 | 36,660,000 |
| Interest-bearing deposits | 29,791,000 | 29,084,000 | 27,864,000 | 29,616,000 |
| Noninterest-bearing deposits | 7,107,000 | 7,052,000 | 7,227,000 | 7,045,000 |
| Equity capital | 4,134,000 | 4,311,000 | 4,389,000 | 4,188,000 |
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 | 484,000 | 971,000 | 1,460,000 | 1,979,000 |
| Interest expense | 91,000 | 193,000 | 313,000 | 457,000 |
| Net interest income | 393,000 | 778,000 | 1,147,000 | 1,522,000 |
| Noninterest income | 40,000 | 85,000 | 125,000 | 168,000 |
| Noninterest expense | 245,000 | 496,000 | 763,000 | 1,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 188,000 | 367,000 | 509,000 | 619,000 |
| Income tax | 63,000 | 121,000 | 167,000 | 197,000 |
| Net income | 125,000 | 246,000 | 342,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,185,000 | 4,306,000 | 4,403,000 | 4,232,000 |
| Total capital | 4,321,000 | 4,441,000 | 4,538,000 | 4,368,000 |
| Risk-weighted assets | 19,849,000 | 19,176,000 | 19,123,000 | 20,163,000 |