Call reports 2008
COLUMBIA RIVER BANK — 2008
What COLUMBIA RIVER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,047,736,000 | 1,108,074,000 | 1,148,838,000 | 1,121,497,000 |
| Total loans | 901,200,000 | 941,711,000 | 923,327,000 | 863,442,000 |
| Allowance for loan losses | 13,264,000 | 17,099,000 | 20,927,000 | 24,492,000 |
| Securities available for sale | 22,835,000 | 18,117,000 | 17,209,000 | 22,927,000 |
| Securities held to maturity | 10,834,000 | 10,184,000 | 10,006,000 | 8,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 903,623,000 | 939,992,000 | 1,015,846,000 | 1,004,548,000 |
| Interest-bearing deposits | 697,726,000 | 720,856,000 | 799,593,000 | 788,277,000 |
| Noninterest-bearing deposits | 205,897,000 | 219,136,000 | 216,253,000 | 216,271,000 |
| Equity capital | 101,693,000 | 100,591,000 | 86,050,000 | 73,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 18,450,000 | 35,143,000 | 51,320,000 | 64,948,000 |
| Interest expense | 6,102,000 | 11,581,000 | 17,570,000 | 24,346,000 |
| Net interest income | 12,348,000 | 23,562,000 | 33,750,000 | 40,602,000 |
| Noninterest income | 3,192,000 | 7,141,000 | 8,969,000 | 11,045,000 |
| Noninterest expense | 10,007,000 | 19,963,000 | 29,702,000 | 46,412,000 |
| Provision for loan losses | 3,049,000 | 8,700,000 | 34,100,000 | 43,110,000 |
| Pretax income | 2,484,000 | 2,040,000 | -21,065,000 | -37,859,000 |
| Income tax | 914,000 | 307,000 | -8,167,000 | -12,498,000 |
| Net income | 1,570,000 | 1,733,000 | -12,898,000 | -25,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,124,000 | 93,191,000 | 73,036,000 | 71,406,000 |
| Total capital | 106,191,000 | 105,803,000 | 85,678,000 | 83,491,000 |
| Risk-weighted assets | 963,305,000 | 1,007,526,000 | 1,008,108,000 | 953,721,000 |