Call reports 2005
NORTH CASCADES NATIONAL BANK — 2005
What NORTH CASCADES NATIONAL 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 | 212,226,000 | 210,995,000 | 225,202,000 | 217,505,000 |
| Total loans | 108,304,000 | 118,366,000 | 124,688,000 | 126,647,000 |
| Allowance for loan losses | 1,402,000 | 1,447,000 | 1,464,000 | 1,483,000 |
| Securities available for sale | 70,439,000 | 63,527,000 | 61,669,000 | 62,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,476,000 | 162,826,000 | 176,000,000 | 168,990,000 |
| Interest-bearing deposits | 131,937,000 | 127,587,000 | 133,350,000 | 127,544,000 |
| Noninterest-bearing deposits | 32,539,000 | 35,239,000 | 42,650,000 | 41,446,000 |
| Equity capital | 17,427,000 | 17,834,000 | 17,932,000 | 18,681,000 |
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 | 2,692,000 | 5,613,000 | 8,635,000 | 11,892,000 |
| Interest expense | 825,000 | 1,697,000 | 2,624,000 | 3,581,000 |
| Net interest income | 1,867,000 | 3,916,000 | 6,011,000 | 8,311,000 |
| Noninterest income | 530,000 | 1,123,000 | 1,788,000 | 2,175,000 |
| Noninterest expense | 1,838,000 | 3,709,000 | 5,870,000 | 7,975,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 559,000 | 1,198,000 | 647,000 | 1,231,000 |
| Income tax | 138,000 | 302,000 | 93,000 | 232,000 |
| Net income | 421,000 | 896,000 | 554,000 | 999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,383,000 | 16,449,000 | 16,761,000 | 17,340,000 |
| Total capital | 17,785,000 | 17,896,000 | 18,225,000 | 18,996,000 |
| Risk-weighted assets | 146,616,000 | 148,974,000 | 152,840,000 | 152,322,000 |