Call reports 2007
WHIDBEY ISLAND BANK — 2007
What WHIDBEY ISLAND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 813,783,000 | 848,946,000 | 866,124,000 | 880,837,000 |
| Total loans | 736,612,000 | 769,272,000 | 783,599,000 | 808,209,000 |
| Allowance for loan losses | 10,212,000 | 10,526,000 | 10,755,000 | 11,126,000 |
| Securities available for sale | 17,484,000 | 17,019,000 | 16,908,000 | 13,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 726,715,000 | 732,940,000 | 769,239,000 | 760,161,000 |
| Interest-bearing deposits | 625,436,000 | 621,983,000 | 658,660,000 | 654,045,000 |
| Noninterest-bearing deposits | 101,279,000 | 110,957,000 | 110,579,000 | 106,116,000 |
| Equity capital | 81,362,000 | 88,463,000 | 91,957,000 | 94,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 14,702,000 | 30,160,000 | 46,412,000 | 62,476,000 |
| Interest expense | 5,357,000 | 10,973,000 | 16,968,000 | 23,048,000 |
| Net interest income | 9,345,000 | 19,187,000 | 29,444,000 | 39,428,000 |
| Noninterest income | 1,768,000 | 3,699,000 | 5,569,000 | 7,271,000 |
| Noninterest expense | 6,808,000 | 13,444,000 | 20,023,000 | 27,049,000 |
| Provision for loan losses | 550,000 | 1,400,000 | 2,200,000 | 3,000,000 |
| Pretax income | 3,755,000 | 8,042,000 | 12,790,000 | 16,650,000 |
| Income tax | 1,182,000 | 2,565,000 | 4,040,000 | 5,253,000 |
| Net income | 2,573,000 | 5,477,000 | 8,750,000 | 11,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,365,000 | 88,549,000 | 91,914,000 | 94,658,000 |
| Total capital | 91,450,000 | 99,047,000 | 102,669,000 | 105,629,000 |
| Risk-weighted assets | 806,675,000 | 839,785,000 | 861,332,000 | 877,719,000 |