Call reports 2005
WHIDBEY ISLAND BANK — 2005
What WHIDBEY ISLAND BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 670,271,000 | 703,772,000 | 720,209,000 | 723,935,000 |
| Total loans | 596,113,000 | 622,037,000 | 619,365,000 | 633,086,000 |
| Allowance for loan losses | 8,052,000 | 8,554,000 | 8,593,000 | 8,810,000 |
| Securities available for sale | 19,815,000 | 18,980,000 | 19,698,000 | 19,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 587,548,000 | 623,251,000 | 637,587,000 | 637,892,000 |
| Interest-bearing deposits | 512,660,000 | 524,050,000 | 532,103,000 | 533,476,000 |
| Noninterest-bearing deposits | 74,888,000 | 99,201,000 | 105,484,000 | 104,416,000 |
| Equity capital | 64,425,000 | 66,344,000 | 68,620,000 | 70,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 10,258,000 | 21,359,000 | 33,102,000 | 45,649,000 |
| Interest expense | 2,275,000 | 4,810,000 | 7,506,000 | 10,492,000 |
| Net interest income | 7,983,000 | 16,549,000 | 25,596,000 | 35,157,000 |
| Noninterest income | 1,689,000 | 3,671,000 | 5,712,000 | 7,508,000 |
| Noninterest expense | 5,694,000 | 11,744,000 | 17,975,000 | 24,615,000 |
| Provision for loan losses | 425,000 | 950,000 | 1,500,000 | 2,250,000 |
| Pretax income | 3,553,000 | 7,476,000 | 11,783,000 | 15,750,000 |
| Income tax | 1,151,000 | 2,480,000 | 3,839,000 | 5,136,000 |
| Net income | 2,402,000 | 4,996,000 | 7,944,000 | 10,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,412,000 | 66,319,000 | 68,607,000 | 70,467,000 |
| Total capital | 72,464,000 | 74,792,000 | 77,200,000 | 79,277,000 |
| Risk-weighted assets | 645,577,000 | 677,652,000 | 695,188,000 | 707,393,000 |