Call reports 2010
WHIDBEY ISLAND BANK — 2010
What WHIDBEY ISLAND BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,045,598,000 | 1,598,713,000 | 1,829,550,000 | 1,703,755,000 |
| Total loans | 824,914,000 | 1,125,097,000 | 1,238,164,000 | 1,210,005,000 |
| Allowance for loan losses | 16,464,000 | 16,975,000 | 17,936,000 | 18,812,000 |
| Securities available for sale | 96,217,000 | 156,065,000 | 198,423,000 | 198,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 850,197,000 | 1,385,941,000 | 1,613,379,000 | 1,493,261,000 |
| Interest-bearing deposits | 733,302,000 | 1,238,767,000 | 1,424,255,000 | 1,308,122,000 |
| Noninterest-bearing deposits | 116,895,000 | 147,174,000 | 189,124,000 | 185,140,000 |
| Equity capital | 181,475,000 | 186,629,000 | 201,548,000 | 204,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 13,747,000 | 32,830,000 | 52,895,000 | 76,422,000 |
| Interest expense | 2,595,000 | 5,493,000 | 8,626,000 | 11,335,000 |
| Net interest income | 11,152,000 | 27,337,000 | 44,269,000 | 65,087,000 |
| Noninterest income | 1,665,000 | 6,654,000 | 27,421,000 | 32,925,000 |
| Noninterest expense | 7,575,000 | 19,160,000 | 31,831,000 | 47,184,000 |
| Provision for loan losses | 2,150,000 | 4,700,000 | 8,650,000 | 12,150,000 |
| Pretax income | 3,092,000 | 10,131,000 | 31,212,000 | 38,678,000 |
| Income tax | 907,000 | 3,099,000 | 10,291,000 | 12,253,000 |
| Net income | 2,185,000 | 7,032,000 | 20,921,000 | 26,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 180,919,000 | 182,224,000 | 196,440,000 | 197,363,000 |
| Total capital | 192,166,000 | 194,427,000 | 210,639,000 | 210,042,000 |
| Risk-weighted assets | 894,564,000 | 969,937,000 | 1,131,971,000 | 1,008,197,000 |