Call reports 2015
WASHINGTON STATE BANK — 2015
What WASHINGTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 55,548,000 | 52,428,000 | 57,013,000 | 55,564,000 |
| Total loans | 24,701,000 | 24,411,000 | 25,877,000 | 27,410,000 |
| Allowance for loan losses | 317,000 | 335,000 | 353,000 | 400,000 |
| Securities available for sale | 18,614,000 | 17,220,000 | 16,045,000 | 15,680,000 |
| Securities held to maturity | 8,761,000 | 8,736,000 | 9,262,000 | 8,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,501,000 | 46,022,000 | 50,797,000 | 49,312,000 |
| Interest-bearing deposits | 39,547,000 | 37,212,000 | 41,847,000 | 39,598,000 |
| Noninterest-bearing deposits | 9,954,000 | 8,810,000 | 8,950,000 | 9,714,000 |
| Equity capital | 5,735,000 | 5,821,000 | 5,948,000 | 5,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 882,000 | 1,317,000 | 1,768,000 |
| Interest expense | 33,000 | 63,000 | 94,000 | 124,000 |
| Net interest income | 415,000 | 819,000 | 1,223,000 | 1,644,000 |
| Noninterest income | 40,000 | 80,000 | 124,000 | 170,000 |
| Noninterest expense | 287,000 | 569,000 | 848,000 | 1,141,000 |
| Provision for loan losses | 22,000 | 24,000 | 43,000 | 90,000 |
| Pretax income | 168,000 | 349,000 | 499,000 | 626,000 |
| Income tax | 61,000 | 118,000 | 171,000 | 226,000 |
| Net income | 107,000 | 231,000 | 328,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,609,000 | 5,734,000 | 5,832,000 | 5,653,000 |
| Total capital | 5,898,000 | 6,018,000 | 6,135,000 | 5,957,000 |
| Risk-weighted assets | 23,121,000 | 22,694,000 | 24,241,000 | 24,289,000 |