Call reports 2003
CASHMERE VALLEY BANK — 2003
What CASHMERE VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 510,860,000 | 521,157,000 | 545,736,000 | 610,843,000 |
| Total loans | 262,428,000 | 262,780,000 | 267,344,000 | 286,920,000 |
| Allowance for loan losses | 4,695,000 | 4,737,000 | 4,774,000 | 5,167,000 |
| Securities available for sale | 206,850,000 | 221,908,000 | 231,646,000 | 254,800,000 |
| Securities held to maturity | 5,362,000 | 5,039,000 | 5,035,000 | 4,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,125,000 | 459,790,000 | 485,661,000 | 546,588,000 |
| Interest-bearing deposits | 437,096,000 | 439,750,000 | 464,153,000 | 525,018,000 |
| Noninterest-bearing deposits | 20,028,000 | 20,040,000 | 21,508,000 | 21,570,000 |
| Equity capital | 46,205,000 | 49,261,000 | 47,922,000 | 50,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,929,000 | 13,929,000 | 20,920,000 | 28,007,000 |
| Interest expense | 2,468,000 | 4,910,000 | 7,461,000 | 10,126,000 |
| Net interest income | 4,461,000 | 9,019,000 | 13,459,000 | 17,881,000 |
| Noninterest income | 1,291,000 | 2,670,000 | 4,252,000 | 5,684,000 |
| Noninterest expense | 2,886,000 | 6,086,000 | 9,392,000 | 13,064,000 |
| Provision for loan losses | 30,000 | 205,000 | 440,000 | 940,000 |
| Pretax income | 2,836,000 | 5,398,000 | 7,879,000 | 9,621,000 |
| Income tax | 745,000 | 1,363,000 | 1,952,000 | 2,213,000 |
| Net income | 2,091,000 | 4,035,000 | 5,927,000 | 7,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,242,000 | 43,270,000 | 43,825,000 | 38,346,000 |
| Total capital | 45,055,000 | 47,102,000 | 47,781,000 | 42,659,000 |
| Risk-weighted assets | 304,180,000 | 305,620,000 | 315,641,000 | 344,165,000 |