Call reports 2004
WHIDBEY ISLAND BANK — 2004
What WHIDBEY ISLAND BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 621,871,000 | 632,052,000 | 661,304,000 | 655,985,000 |
| Total loans | 530,620,000 | 556,195,000 | 557,724,000 | 588,488,000 |
| Allowance for loan losses | 6,480,000 | 6,926,000 | 7,506,000 | 7,903,000 |
| Securities available for sale | 13,049,000 | 19,833,000 | 19,668,000 | 19,967,000 |
| Securities held to maturity | 14,583,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,688,000 | 558,473,000 | 589,152,000 | 563,386,000 |
| Interest-bearing deposits | 490,180,000 | 510,695,000 | 540,388,000 | 515,494,000 |
| Noninterest-bearing deposits | 57,508,000 | 47,778,000 | 48,764,000 | 47,892,000 |
| Equity capital | 58,134,000 | 59,184,000 | 60,664,000 | 62,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,055,000 | 18,378,000 | 28,209,000 | 38,216,000 |
| Interest expense | 1,913,000 | 3,892,000 | 5,936,000 | 8,048,000 |
| Net interest income | 7,142,000 | 14,486,000 | 22,273,000 | 30,168,000 |
| Noninterest income | 1,439,000 | 3,045,000 | 4,741,000 | 6,789,000 |
| Noninterest expense | 5,601,000 | 11,325,000 | 16,959,000 | 22,666,000 |
| Provision for loan losses | 825,000 | 1,600,000 | 2,325,000 | 3,500,000 |
| Pretax income | 2,156,000 | 4,750,000 | 7,874,000 | 10,935,000 |
| Income tax | 668,000 | 1,506,000 | 2,529,000 | 3,422,000 |
| Net income | 1,488,000 | 3,244,000 | 5,345,000 | 7,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,075,000 | 59,081,000 | 60,432,000 | 62,010,000 |
| Total capital | 64,555,000 | 66,007,000 | 67,938,000 | 69,913,000 |
| Risk-weighted assets | 571,647,000 | 609,646,000 | 612,044,000 | 633,676,000 |