Call reports 2003
WHIDBEY ISLAND BANK — 2003
What WHIDBEY ISLAND BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 558,142,000 | 571,992,000 | 585,824,000 | 580,265,000 |
| Total loans | 452,357,000 | 500,426,000 | 491,039,000 | 508,158,000 |
| Allowance for loan losses | 5,875,000 | 5,947,000 | 6,342,000 | 6,116,000 |
| Securities available for sale | 7,925,000 | 8,282,000 | 15,488,000 | 15,874,000 |
| Securities held to maturity | 14,946,000 | 14,194,000 | 16,061,000 | 14,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,823,000 | 499,312,000 | 511,370,000 | 501,895,000 |
| Interest-bearing deposits | 456,707,000 | 443,988,000 | 458,206,000 | 451,027,000 |
| Noninterest-bearing deposits | 29,116,000 | 55,324,000 | 53,164,000 | 50,867,000 |
| Equity capital | 54,409,000 | 55,023,000 | 56,265,000 | 57,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,666,000 | 17,658,000 | 26,761,000 | 35,786,000 |
| Interest expense | 2,147,000 | 4,197,000 | 6,135,000 | 7,987,000 |
| Net interest income | 6,519,000 | 13,461,000 | 20,626,000 | 27,799,000 |
| Noninterest income | 1,466,000 | 2,988,000 | 4,702,000 | 6,101,000 |
| Noninterest expense | 4,954,000 | 9,937,000 | 15,046,000 | 20,304,000 |
| Provision for loan losses | 763,000 | 1,600,000 | 2,438,000 | 3,200,000 |
| Pretax income | 2,268,000 | 4,912,000 | 7,844,000 | 10,396,000 |
| Income tax | 775,000 | 1,670,000 | 2,667,000 | 3,285,000 |
| Net income | 1,493,000 | 3,242,000 | 5,177,000 | 7,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,362,000 | 54,981,000 | 56,303,000 | 57,487,000 |
| Total capital | 60,237,000 | 60,928,000 | 62,645,000 | 63,603,000 |
| Risk-weighted assets | 489,185,000 | 513,845,000 | 525,817,000 | 544,289,000 |