Call reports 2001
WHIDBEY ISLAND BANK — 2001
What WHIDBEY ISLAND BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 389,673,000 | 404,974,000 | 424,092,000 | 436,899,000 |
| Total loans | 325,419,000 | 349,166,000 | 360,092,000 | 377,506,000 |
| Allowance for loan losses | 3,004,000 | 3,394,000 | 3,726,000 | 4,308,000 |
| Securities available for sale | 5,678,000 | 4,726,000 | 4,765,000 | 4,277,000 |
| Securities held to maturity | 19,881,000 | 19,673,000 | 18,999,000 | 18,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,597,000 | 345,078,000 | 358,840,000 | 367,206,000 |
| Interest-bearing deposits | 317,544,000 | 305,880,000 | 310,653,000 | 320,952,000 |
| Noninterest-bearing deposits | 39,053,000 | 39,198,000 | 48,187,000 | 46,254,000 |
| Equity capital | 30,773,000 | 31,916,000 | 33,130,000 | 34,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,748,000 | 15,843,000 | 24,216,000 | 32,619,000 |
| Interest expense | 3,747,000 | 7,332,000 | 10,573,000 | 13,424,000 |
| Net interest income | 4,001,000 | 8,511,000 | 13,643,000 | 19,195,000 |
| Noninterest income | 994,000 | 2,189,000 | 3,322,000 | 4,820,000 |
| Noninterest expense | 3,460,000 | 6,962,000 | 10,678,000 | 14,725,000 |
| Provision for loan losses | 405,000 | 1,060,000 | 1,815,000 | 2,780,000 |
| Pretax income | 1,130,000 | 2,678,000 | 4,472,000 | 6,510,000 |
| Income tax | 306,000 | 724,000 | 1,328,000 | 2,004,000 |
| Net income | 824,000 | 1,954,000 | 3,144,000 | 4,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,731,000 | 31,861,000 | 33,052,000 | 34,413,000 |
| Total capital | 33,735,000 | 35,255,000 | 36,778,000 | 38,721,000 |
| Risk-weighted assets | 338,806,000 | 362,173,000 | 380,860,000 | 401,497,000 |