Call reports 2011
WHIDBEY ISLAND BANK — 2011
What WHIDBEY ISLAND BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,681,746,000 | 1,675,539,000 | 1,676,965,000 | 1,668,639,000 |
| Total loans | 1,170,580,000 | 1,131,507,000 | 1,109,438,000 | 1,104,332,000 |
| Allowance for loan losses | 19,238,000 | 19,407,000 | 19,954,000 | 18,902,000 |
| Securities available for sale | 181,986,000 | 185,150,000 | 276,741,000 | 295,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,499,429,000 | 1,487,923,000 | 1,485,479,000 | 1,471,788,000 |
| Interest-bearing deposits | 1,305,930,000 | 1,284,445,000 | 1,361,280,000 | 1,247,097,000 |
| Noninterest-bearing deposits | 193,499,000 | 203,478,000 | 124,199,000 | 224,691,000 |
| Equity capital | 176,108,000 | 180,280,000 | 185,499,000 | 189,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 22,081,000 | 44,338,000 | 66,733,000 | 89,777,000 |
| Interest expense | 2,592,000 | 5,140,000 | 7,448,000 | 9,494,000 |
| Net interest income | 19,489,000 | 39,198,000 | 59,285,000 | 80,283,000 |
| Noninterest income | 3,677,000 | 6,425,000 | 12,886,000 | 16,579,000 |
| Noninterest expense | 13,816,000 | 27,144,000 | 46,004,000 | 62,386,000 |
| Provision for loan losses | 3,000,000 | 6,000,000 | 8,182,000 | 10,034,000 |
| Pretax income | 6,350,000 | 12,479,000 | 17,985,000 | 24,442,000 |
| Income tax | 2,022,000 | 3,897,000 | 5,584,000 | 7,593,000 |
| Net income | 4,328,000 | 8,582,000 | 12,401,000 | 16,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 169,743,000 | 172,513,000 | 175,521,000 | 179,180,000 |
| Total capital | 182,175,000 | 184,707,000 | 188,107,000 | 191,816,000 |
| Risk-weighted assets | 987,774,000 | 977,479,000 | 999,513,000 | 1,004,579,000 |