Call reports 2013
WHIDBEY ISLAND BANK — 2013
What WHIDBEY ISLAND BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,665,601,000 | 1,615,757,000 | 1,646,312,000 | 1,681,930,000 |
| Total loans | 1,055,202,000 | 1,055,121,000 | 1,048,245,000 | 1,044,030,000 |
| Allowance for loan losses | 21,622,000 | 32,311,000 | 31,967,000 | 31,714,000 |
| Securities available for sale | 394,328,000 | 386,113,000 | 400,275,000 | 432,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,446,847,000 | 1,410,804,000 | 1,434,709,000 | 1,472,811,000 |
| Interest-bearing deposits | 1,187,731,000 | 1,158,856,000 | 1,160,051,000 | 1,202,089,000 |
| Noninterest-bearing deposits | 259,116,000 | 251,948,000 | 274,658,000 | 270,722,000 |
| Equity capital | 202,221,000 | 194,891,000 | 200,439,000 | 198,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 19,629,000 | 38,343,000 | 56,836,000 | 75,401,000 |
| Interest expense | 1,309,000 | 2,558,000 | 3,762,000 | 4,939,000 |
| Net interest income | 18,320,000 | 35,785,000 | 53,074,000 | 70,462,000 |
| Noninterest income | 4,047,000 | 15,437,000 | 18,896,000 | 22,175,000 |
| Noninterest expense | 13,553,000 | 26,132,000 | 39,283,000 | 55,314,000 |
| Provision for loan losses | 1,950,000 | 13,714,000 | 14,239,000 | 14,615,000 |
| Pretax income | 7,129,000 | 11,932,000 | 19,004,000 | 23,264,000 |
| Income tax | 2,274,000 | 3,883,000 | 6,203,000 | 7,536,000 |
| Net income | 4,855,000 | 8,049,000 | 12,801,000 | 15,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 192,388,000 | 193,008,000 | 197,467,000 | 197,931,000 |
| Total capital | 205,924,000 | 206,703,000 | 211,416,000 | 211,954,000 |
| Risk-weighted assets | 1,074,807,000 | 1,076,995,000 | 1,097,885,000 | 1,104,131,000 |