Call reports 2007
NORTH CASCADES NATIONAL BANK — 2007
What NORTH CASCADES NATIONAL 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 | 233,310,000 | 233,438,000 | 269,265,000 | 283,870,000 |
| Total loans | 159,110,000 | 171,150,000 | 202,029,000 | 202,316,000 |
| Allowance for loan losses | 1,731,000 | 1,720,000 | 2,184,000 | 2,511,000 |
| Securities available for sale | 41,847,000 | 29,968,000 | 29,076,000 | 30,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,794,000 | 197,923,000 | 226,139,000 | 244,177,000 |
| Interest-bearing deposits | 157,959,000 | 154,933,000 | 173,737,000 | 191,762,000 |
| Noninterest-bearing deposits | 40,835,000 | 42,990,000 | 52,402,000 | 52,414,000 |
| Equity capital | 24,919,000 | 25,688,000 | 30,430,000 | 31,025,000 |
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 | 3,637,000 | 7,434,000 | 12,003,000 | 16,527,000 |
| Interest expense | 1,258,000 | 2,544,000 | 3,994,000 | 5,447,000 |
| Net interest income | 2,379,000 | 4,890,000 | 8,009,000 | 11,080,000 |
| Noninterest income | 409,000 | 1,055,000 | 1,828,000 | 2,299,000 |
| Noninterest expense | 1,935,000 | 3,852,000 | 6,397,000 | 8,919,000 |
| Provision for loan losses | 30,000 | 30,000 | 97,000 | 292,000 |
| Pretax income | 1,712,000 | 2,773,000 | 4,055,000 | 4,880,000 |
| Income tax | 547,000 | 879,000 | 1,284,000 | 1,533,000 |
| Net income | 1,165,000 | 1,894,000 | 2,771,000 | 3,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,541,000 | 24,271,000 | 24,767,000 | 25,302,000 |
| Total capital | 25,276,000 | 25,991,000 | 27,170,000 | 27,813,000 |
| Risk-weighted assets | 183,283,000 | 190,799,000 | 220,186,000 | 225,732,000 |