Call reports 2007
COLUMBIA RIVER BANK — 2007
What COLUMBIA RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,015,932,000 | 1,067,046,000 | 1,034,276,000 | 1,042,412,000 |
| Total loans | 845,787,000 | 863,080,000 | 873,477,000 | 878,005,000 |
| Allowance for loan losses | 10,055,000 | 10,168,000 | 10,722,000 | 11,174,000 |
| Securities available for sale | 25,081,000 | 23,877,000 | 22,281,000 | 23,476,000 |
| Securities held to maturity | 13,866,000 | 12,558,000 | 12,200,000 | 10,969,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 897,644,000 | 915,089,000 | 922,374,000 | 928,067,000 |
| Interest-bearing deposits | 677,350,000 | 688,494,000 | 695,736,000 | 699,242,000 |
| Noninterest-bearing deposits | 220,294,000 | 226,595,000 | 226,638,000 | 228,825,000 |
| Equity capital | 93,390,000 | 95,181,000 | 97,816,000 | 101,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 18,897,000 | 39,361,000 | 59,745,000 | 79,413,000 |
| Interest expense | 5,922,000 | 12,931,000 | 19,713,000 | 26,147,000 |
| Net interest income | 12,975,000 | 26,430,000 | 40,032,000 | 53,266,000 |
| Noninterest income | 2,724,000 | 5,714,000 | 8,421,000 | 11,526,000 |
| Noninterest expense | 8,536,000 | 17,337,000 | 26,244,000 | 34,695,000 |
| Provision for loan losses | 1,025,000 | 3,350,000 | 4,150,000 | 4,740,000 |
| Pretax income | 6,138,000 | 11,457,000 | 18,054,000 | 25,351,000 |
| Income tax | 2,299,000 | 4,302,000 | 6,725,000 | 9,418,000 |
| Net income | 3,839,000 | 7,155,000 | 11,329,000 | 15,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,078,000 | 87,894,000 | 90,440,000 | 93,760,000 |
| Total capital | 96,971,000 | 98,900,000 | 102,001,000 | 105,496,000 |
| Risk-weighted assets | 905,062,000 | 951,771,000 | 931,499,000 | 939,087,000 |