Call reports 2003
NORTH CASCADES NATIONAL BANK — 2003
What NORTH CASCADES NATIONAL 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 | 197,997,000 | 198,880,000 | 204,841,000 | 196,930,000 |
| Total loans | 79,153,000 | 77,578,000 | 79,250,000 | 81,946,000 |
| Allowance for loan losses | 1,926,000 | 1,463,000 | 1,317,000 | 780,000 |
| Securities available for sale | 73,043,000 | 88,342,000 | 83,023,000 | 88,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,259,000 | 146,940,000 | 153,869,000 | 145,642,000 |
| Interest-bearing deposits | 125,937,000 | 121,619,000 | 127,010,000 | 121,722,000 |
| Noninterest-bearing deposits | 21,322,000 | 25,321,000 | 26,859,000 | 23,920,000 |
| Equity capital | 17,530,000 | 17,591,000 | 16,937,000 | 16,959,000 |
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 | 2,479,000 | 4,774,000 | 7,032,000 | 9,238,000 |
| Interest expense | 911,000 | 1,786,000 | 2,616,000 | 3,407,000 |
| Net interest income | 1,568,000 | 2,988,000 | 4,416,000 | 5,831,000 |
| Noninterest income | 788,000 | 1,612,000 | 2,591,000 | 3,354,000 |
| Noninterest expense | 2,181,000 | 4,207,000 | 6,329,000 | 8,203,000 |
| Provision for loan losses | 0 | 0 | -150,000 | -250,000 |
| Pretax income | 359,000 | 695,000 | 1,140,000 | 1,617,000 |
| Income tax | 103,000 | 227,000 | 353,000 | 446,000 |
| Net income | 256,000 | 468,000 | 787,000 | 1,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,540,000 | 15,316,000 | 15,299,000 | 15,128,000 |
| Total capital | 17,141,000 | 16,779,000 | 16,616,000 | 15,908,000 |
| Risk-weighted assets | 127,780,000 | 128,575,000 | 134,220,000 | 134,179,000 |