Call reports 2004
NORTH CASCADES NATIONAL BANK — 2004
What NORTH CASCADES NATIONAL 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 | 198,609,000 | 199,947,000 | 215,563,000 | 205,681,000 |
| Total loans | 96,445,000 | 99,136,000 | 103,859,000 | 108,255,000 |
| Allowance for loan losses | 1,185,000 | 1,192,000 | 1,298,000 | 1,362,000 |
| Securities available for sale | 71,109,000 | 74,299,000 | 74,443,000 | 67,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,679,000 | 151,015,000 | 167,106,000 | 157,651,000 |
| Interest-bearing deposits | 126,098,000 | 124,981,000 | 135,711,000 | 126,085,000 |
| Noninterest-bearing deposits | 23,581,000 | 26,034,000 | 31,395,000 | 31,566,000 |
| Equity capital | 17,244,000 | 16,384,000 | 17,133,000 | 17,461,000 |
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 | 2,348,000 | 4,735,000 | 7,304,000 | 9,915,000 |
| Interest expense | 772,000 | 1,541,000 | 2,296,000 | 3,084,000 |
| Net interest income | 1,576,000 | 3,194,000 | 5,008,000 | 6,831,000 |
| Noninterest income | 649,000 | 1,453,000 | 2,068,000 | 2,364,000 |
| Noninterest expense | 1,882,000 | 3,802,000 | 5,852,000 | 7,439,000 |
| Provision for loan losses | 392,000 | 399,000 | 399,000 | 524,000 |
| Pretax income | 10,000 | 505,000 | 884,000 | 1,315,000 |
| Income tax | -45,000 | 137,000 | 170,000 | 243,000 |
| Net income | 55,000 | 368,000 | 714,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,362,000 | 15,254,000 | 15,570,000 | 16,022,000 |
| Total capital | 16,547,000 | 16,446,000 | 16,868,000 | 17,384,000 |
| Risk-weighted assets | 144,196,000 | 142,538,000 | 142,519,000 | 143,899,000 |