Call reports 2004
CASHMERE VALLEY BANK — 2004
What CASHMERE VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 638,123,000 | 636,876,000 | 653,167,000 | 647,953,000 |
| Total loans | 302,637,000 | 318,405,000 | 331,487,000 | 340,895,000 |
| Allowance for loan losses | 5,355,000 | 5,732,000 | 6,022,000 | 6,124,000 |
| Securities available for sale | 284,744,000 | 262,159,000 | 259,297,000 | 257,092,000 |
| Securities held to maturity | 4,788,000 | 4,664,000 | 4,660,000 | 4,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 568,882,000 | 572,646,000 | 582,773,000 | 579,896,000 |
| Interest-bearing deposits | 540,866,000 | 549,844,000 | 556,123,000 | 557,375,000 |
| Noninterest-bearing deposits | 28,016,000 | 22,803,000 | 26,650,000 | 22,521,000 |
| Equity capital | 54,095,000 | 50,966,000 | 54,871,000 | 56,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,780,000 | 16,073,000 | 24,833,000 | 33,761,000 |
| Interest expense | 2,658,000 | 5,223,000 | 7,858,000 | 10,725,000 |
| Net interest income | 5,122,000 | 10,850,000 | 16,975,000 | 23,036,000 |
| Noninterest income | 1,396,000 | 2,881,000 | 4,268,000 | 5,539,000 |
| Noninterest expense | 3,620,000 | 7,364,000 | 11,225,000 | 15,142,000 |
| Provision for loan losses | 260,000 | 715,000 | 1,195,000 | 1,840,000 |
| Pretax income | 4,191,000 | 7,201,000 | 10,372,000 | 12,690,000 |
| Income tax | 1,135,000 | 1,876,000 | 2,684,000 | 3,332,000 |
| Net income | 3,056,000 | 5,325,000 | 7,688,000 | 9,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,124,000 | 42,557,000 | 43,621,000 | 45,407,000 |
| Total capital | 44,580,000 | 47,155,000 | 48,393,000 | 50,216,000 |
| Risk-weighted assets | 355,556,000 | 366,691,000 | 380,528,000 | 383,397,000 |