Call reports 2004
COLUMBIA RIVER BANK — 2004
What COLUMBIA RIVER 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 | 597,867,000 | 666,202,000 | 720,347,000 | 715,253,000 |
| Total loans | 489,934,000 | 567,106,000 | 576,528,000 | 582,346,000 |
| Allowance for loan losses | 6,875,000 | 7,940,000 | 8,150,000 | 8,184,000 |
| Securities available for sale | 15,830,000 | 15,590,000 | 18,150,000 | 26,498,000 |
| Securities held to maturity | 14,261,000 | 13,937,000 | 14,049,000 | 17,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 504,912,000 | 549,039,000 | 615,709,000 | 607,569,000 |
| Interest-bearing deposits | 447,130,000 | 374,358,000 | 430,429,000 | 434,950,000 |
| Noninterest-bearing deposits | 57,782,000 | 174,681,000 | 185,280,000 | 172,619,000 |
| Equity capital | 61,702,000 | 63,130,000 | 65,609,000 | 68,542,000 |
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 | 9,606,000 | 19,952,000 | 31,156,000 | 42,684,000 |
| Interest expense | 1,398,000 | 2,888,000 | 4,842,000 | 7,050,000 |
| Net interest income | 8,208,000 | 17,064,000 | 26,314,000 | 35,634,000 |
| Noninterest income | 1,432,000 | 3,229,000 | 5,186,000 | 7,911,000 |
| Noninterest expense | 5,476,000 | 10,854,000 | 16,590,000 | 22,584,000 |
| Provision for loan losses | 700,000 | 2,090,000 | 2,640,000 | 2,760,000 |
| Pretax income | 3,464,000 | 7,349,000 | 12,263,000 | 18,194,000 |
| Income tax | 1,223,000 | 2,621,000 | 4,433,000 | 6,575,000 |
| Net income | 2,241,000 | 4,728,000 | 7,830,000 | 11,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,926,000 | 55,559,000 | 57,994,000 | 61,006,000 |
| Total capital | 60,628,000 | 63,290,000 | 65,994,000 | 68,931,000 |
| Risk-weighted assets | 536,007,000 | 618,288,000 | 639,823,000 | 634,038,000 |