Call reports 2012
WHIDBEY ISLAND BANK — 2012
What WHIDBEY ISLAND BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,694,435,000 | 1,661,574,000 | 1,677,710,000 | 1,685,157,000 |
| Total loans | 1,084,374,000 | 1,070,073,000 | 1,072,274,000 | 1,088,533,000 |
| Allowance for loan losses | 18,684,000 | 18,572,000 | 17,576,000 | 20,398,000 |
| Securities available for sale | 320,694,000 | 322,676,000 | 353,882,000 | 372,968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,491,471,000 | 1,455,166,000 | 1,463,534,000 | 1,468,285,000 |
| Interest-bearing deposits | 1,243,403,000 | 1,214,422,000 | 1,205,726,000 | 1,201,563,000 |
| Noninterest-bearing deposits | 248,068,000 | 240,744,000 | 257,808,000 | 266,722,000 |
| Equity capital | 192,149,000 | 194,031,000 | 199,057,000 | 200,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 23,251,000 | 46,059,000 | 68,336,000 | 89,790,000 |
| Interest expense | 1,845,000 | 3,550,000 | 5,126,000 | 6,581,000 |
| Net interest income | 21,406,000 | 42,509,000 | 63,210,000 | 83,209,000 |
| Noninterest income | 3,810,000 | 6,973,000 | 10,651,000 | 14,917,000 |
| Noninterest expense | 16,275,000 | 33,294,000 | 49,391,000 | 63,040,000 |
| Provision for loan losses | 1,947,000 | 4,748,000 | 5,998,000 | 9,744,000 |
| Pretax income | 7,336,000 | 11,782,000 | 19,157,000 | 26,273,000 |
| Income tax | 2,308,000 | 3,630,000 | 6,122,000 | 8,406,000 |
| Net income | 5,028,000 | 8,152,000 | 13,035,000 | 17,867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 184,173,000 | 183,798,000 | 187,279,000 | 189,837,000 |
| Total capital | 196,990,000 | 196,700,000 | 200,551,000 | 203,471,000 |
| Risk-weighted assets | 1,019,488,000 | 1,026,509,000 | 1,057,422,000 | 1,083,933,000 |