Call reports 2005
CASHMERE VALLEY BANK — 2005
What CASHMERE VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 667,673,000 | 676,157,000 | 690,641,000 | 714,646,000 |
| Total loans | 365,640,000 | 388,937,000 | 398,832,000 | 417,512,000 |
| Allowance for loan losses | 6,559,000 | 7,011,000 | 7,396,000 | 7,495,000 |
| Securities available for sale | 257,936,000 | 231,120,000 | 221,944,000 | 234,362,000 |
| Securities held to maturity | 4,168,000 | 3,594,000 | 3,590,000 | 3,496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 590,379,000 | 600,900,000 | 613,230,000 | 629,475,000 |
| Interest-bearing deposits | 565,564,000 | 574,311,000 | 572,981,000 | 604,460,000 |
| Noninterest-bearing deposits | 24,815,000 | 26,589,000 | 40,249,000 | 25,015,000 |
| Equity capital | 55,506,000 | 59,198,000 | 59,845,000 | 62,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,908,000 | 18,323,000 | 28,267,000 | 38,735,000 |
| Interest expense | 3,062,000 | 6,547,000 | 10,345,000 | 14,557,000 |
| Net interest income | 5,846,000 | 11,776,000 | 17,922,000 | 24,178,000 |
| Noninterest income | 1,244,000 | 2,541,000 | 4,001,000 | 5,385,000 |
| Noninterest expense | 3,913,000 | 7,745,000 | 11,834,000 | 15,854,000 |
| Provision for loan losses | 427,000 | 670,000 | 670,000 | 695,000 |
| Pretax income | 2,811,000 | 5,855,000 | 9,372,000 | 12,966,000 |
| Income tax | 730,000 | 1,471,000 | 2,378,000 | 3,273,000 |
| Net income | 2,081,000 | 4,384,000 | 6,994,000 | 9,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,317,000 | 48,557,000 | 49,704,000 | 52,439,000 |
| Total capital | 51,539,000 | 54,456,000 | 55,461,000 | 58,468,000 |
| Risk-weighted assets | 417,023,000 | 470,838,000 | 458,990,000 | 480,072,000 |