Call reports 2006
WHIDBEY ISLAND BANK — 2006
What WHIDBEY ISLAND BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 733,850,000 | 766,466,000 | 787,007,000 | 792,329,000 |
| Total loans | 652,490,000 | 686,975,000 | 715,578,000 | 722,039,000 |
| Allowance for loan losses | 9,130,000 | 9,606,000 | 9,985,000 | 10,048,000 |
| Securities available for sale | 19,805,000 | 18,745,000 | 18,369,000 | 17,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 646,288,000 | 680,438,000 | 700,970,000 | 704,364,000 |
| Interest-bearing deposits | 546,258,000 | 576,220,000 | 603,043,000 | 607,633,000 |
| Noninterest-bearing deposits | 100,030,000 | 104,218,000 | 97,928,000 | 96,731,000 |
| Equity capital | 73,059,000 | 75,010,000 | 77,222,000 | 78,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 12,622,000 | 26,112,000 | 40,522,000 | 55,331,000 |
| Interest expense | 3,243,000 | 7,192,000 | 11,851,000 | 17,103,000 |
| Net interest income | 9,379,000 | 18,920,000 | 28,671,000 | 38,228,000 |
| Noninterest income | 1,912,000 | 3,625,000 | 5,375,000 | 7,110,000 |
| Noninterest expense | 6,533,000 | 12,829,000 | 19,481,000 | 27,035,000 |
| Provision for loan losses | 500,000 | 1,300,000 | 2,050,000 | 2,675,000 |
| Pretax income | 4,258,000 | 8,416,000 | 12,515,000 | 15,628,000 |
| Income tax | 1,395,000 | 2,774,000 | 3,926,000 | 4,901,000 |
| Net income | 2,863,000 | 5,642,000 | 8,589,000 | 10,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,121,000 | 75,111,000 | 77,275,000 | 78,630,000 |
| Total capital | 82,251,000 | 84,688,000 | 87,161,000 | 88,522,000 |
| Risk-weighted assets | 732,734,000 | 766,155,000 | 790,790,000 | 791,234,000 |