Call reports 2009
WHIDBEY ISLAND BANK — 2009
What WHIDBEY ISLAND BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 916,601,000 | 932,475,000 | 958,194,000 | 1,044,273,000 |
| Total loans | 831,807,000 | 825,161,000 | 819,267,000 | 817,084,000 |
| Allowance for loan losses | 13,323,000 | 14,770,000 | 15,882,000 | 16,212,000 |
| Securities available for sale | 20,481,000 | 31,739,000 | 56,204,000 | 80,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 761,949,000 | 787,423,000 | 812,374,000 | 851,465,000 |
| Interest-bearing deposits | 664,425,000 | 684,399,000 | 707,257,000 | 742,601,000 |
| Noninterest-bearing deposits | 97,524,000 | 103,024,000 | 105,117,000 | 108,864,000 |
| Equity capital | 131,029,000 | 131,430,000 | 133,167,000 | 178,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 13,246,000 | 26,771,000 | 40,688,000 | 54,545,000 |
| Interest expense | 3,652,000 | 7,152,000 | 10,447,000 | 13,354,000 |
| Net interest income | 9,594,000 | 19,619,000 | 30,241,000 | 41,191,000 |
| Noninterest income | 1,931,000 | 3,958,000 | 5,759,000 | 7,424,000 |
| Noninterest expense | 6,281,000 | 13,250,000 | 20,412,000 | 27,761,000 |
| Provision for loan losses | 2,450,000 | 5,450,000 | 7,950,000 | 10,200,000 |
| Pretax income | 2,794,000 | 4,877,000 | 7,638,000 | 10,654,000 |
| Income tax | 922,000 | 1,521,000 | 2,382,000 | 3,429,000 |
| Net income | 1,872,000 | 3,356,000 | 5,256,000 | 7,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 130,759,000 | 131,309,000 | 132,618,000 | 178,656,000 |
| Total capital | 141,859,000 | 142,403,000 | 143,726,000 | 189,711,000 |
| Risk-weighted assets | 885,805,000 | 883,894,000 | 884,002,000 | 880,337,000 |