Call reports 2003
COLUMBIA RIVER BANK — 2003
What COLUMBIA RIVER 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 | 568,840,000 | 579,299,000 | 593,616,000 | 583,821,000 |
| Total loans | 438,023,000 | 459,043,000 | 458,854,000 | 470,949,000 |
| Allowance for loan losses | 6,398,000 | 6,448,000 | 6,604,000 | 6,612,000 |
| Securities available for sale | 13,700,000 | 17,979,000 | 27,555,000 | 15,247,000 |
| Securities held to maturity | 16,701,000 | 15,843,000 | 16,522,000 | 14,882,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,123,000 | 495,480,000 | 506,747,000 | 497,382,000 |
| Interest-bearing deposits | 432,001,000 | 434,946,000 | 438,351,000 | 443,757,000 |
| Noninterest-bearing deposits | 52,122,000 | 60,534,000 | 68,396,000 | 53,625,000 |
| Equity capital | 55,167,000 | 56,166,000 | 58,344,000 | 60,341,000 |
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 | 9,390,000 | 18,966,000 | 28,700,000 | 38,209,000 |
| Interest expense | 1,709,000 | 3,413,000 | 5,050,000 | 6,563,000 |
| Net interest income | 7,682,000 | 15,553,000 | 23,650,000 | 31,646,000 |
| Noninterest income | 1,964,000 | 3,800,000 | 6,107,000 | 8,151,000 |
| Noninterest expense | 5,135,000 | 10,418,000 | 15,896,000 | 21,012,000 |
| Provision for loan losses | 300,000 | 2,000,000 | 2,400,000 | 2,575,000 |
| Pretax income | 4,203,000 | 6,940,000 | 11,466,000 | 16,215,000 |
| Income tax | 1,518,000 | 2,526,000 | 4,143,000 | 6,098,000 |
| Net income | 2,685,000 | 4,414,000 | 7,323,000 | 10,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,241,000 | 48,312,000 | 50,513,000 | 52,534,000 |
| Total capital | 53,269,000 | 54,596,000 | 56,838,000 | 58,968,000 |
| Risk-weighted assets | 481,870,000 | 502,563,000 | 505,741,000 | 514,547,000 |