Call reports 2005
COLUMBIA RIVER BANK — 2005
What COLUMBIA RIVER 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 | 746,160,000 | 779,940,000 | 822,369,000 | 840,872,000 |
| Total loans | 581,558,000 | 624,951,000 | 657,731,000 | 685,848,000 |
| Allowance for loan losses | 8,249,000 | 8,681,000 | 9,202,000 | 9,525,000 |
| Securities available for sale | 19,801,000 | 19,694,000 | 19,582,000 | 21,079,000 |
| Securities held to maturity | 17,021,000 | 17,916,000 | 17,588,000 | 16,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 637,053,000 | 669,733,000 | 715,795,000 | 711,086,000 |
| Interest-bearing deposits | 449,199,000 | 463,858,000 | 486,949,000 | 489,776,000 |
| Noninterest-bearing deposits | 187,854,000 | 205,875,000 | 228,846,000 | 221,310,000 |
| Equity capital | 71,266,000 | 73,840,000 | 76,272,000 | 78,667,000 |
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 | 12,165,000 | 24,874,000 | 38,863,000 | 53,549,000 |
| Interest expense | 2,439,000 | 5,007,000 | 7,887,000 | 11,019,000 |
| Net interest income | 9,726,000 | 19,867,000 | 30,976,000 | 42,530,000 |
| Noninterest income | 2,150,000 | 5,005,000 | 7,504,000 | 9,790,000 |
| Noninterest expense | 5,975,000 | 12,544,000 | 19,286,000 | 26,268,000 |
| Provision for loan losses | 200,000 | 850,000 | 2,080,000 | 3,115,000 |
| Pretax income | 5,701,000 | 11,477,000 | 17,113,000 | 22,936,000 |
| Income tax | 2,040,000 | 4,127,000 | 5,959,000 | 8,061,000 |
| Net income | 3,661,000 | 7,350,000 | 11,154,000 | 14,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,878,000 | 66,561,000 | 69,066,000 | 71,486,000 |
| Total capital | 71,931,000 | 74,974,000 | 77,945,000 | 81,011,000 |
| Risk-weighted assets | 644,061,000 | 672,751,000 | 709,983,000 | 762,372,000 |