Call reports 2002
WHIDBEY ISLAND BANK — 2002
What WHIDBEY ISLAND BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 459,750,000 | 484,449,000 | 525,040,000 | 534,567,000 |
| Total loans | 401,611,000 | 419,154,000 | 433,693,000 | 436,703,000 |
| Allowance for loan losses | 5,020,000 | 5,569,000 | 5,467,000 | 5,514,000 |
| Securities available for sale | 4,875,000 | 2,867,000 | 6,286,000 | 9,360,000 |
| Securities held to maturity | 17,395,000 | 16,971,000 | 16,786,000 | 15,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,247,000 | 408,622,000 | 452,731,000 | 463,156,000 |
| Interest-bearing deposits | 344,205,000 | 359,109,000 | 404,439,000 | 406,550,000 |
| Noninterest-bearing deposits | 47,042,000 | 49,513,000 | 48,292,000 | 56,606,000 |
| Equity capital | 35,933,000 | 51,584,000 | 52,576,000 | 53,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 8,317,000 | 16,965,000 | 25,817,000 | 34,721,000 |
| Interest expense | 2,575,000 | 5,137,000 | 7,799,000 | 10,221,000 |
| Net interest income | 5,742,000 | 11,828,000 | 18,018,000 | 24,500,000 |
| Noninterest income | 1,371,000 | 2,333,000 | 3,406,000 | 5,084,000 |
| Noninterest expense | 3,877,000 | 7,851,000 | 12,270,000 | 17,000,000 |
| Provision for loan losses | 989,000 | 1,878,000 | 2,467,000 | 3,866,000 |
| Pretax income | 2,247,000 | 4,432,000 | 6,687,000 | 8,718,000 |
| Income tax | 774,000 | 1,483,000 | 2,265,000 | 2,944,000 |
| Net income | 1,473,000 | 2,949,000 | 4,422,000 | 5,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,886,000 | 51,541,000 | 52,531,000 | 53,383,000 |
| Total capital | 40,906,000 | 57,110,000 | 57,998,000 | 58,897,000 |
| Risk-weighted assets | 427,437,000 | 446,696,000 | 465,996,000 | 467,236,000 |