Call reports 2008
NORTH CASCADES NATIONAL BANK — 2008
What NORTH CASCADES NATIONAL 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 | 297,701,000 | 309,104,000 | 316,503,000 | 324,015,000 |
| Total loans | 205,108,000 | 217,190,000 | 239,761,000 | 250,210,000 |
| Allowance for loan losses | 2,487,000 | 2,539,000 | 2,070,000 | 3,391,000 |
| Securities available for sale | 29,257,000 | 24,107,000 | 21,893,000 | 24,413,000 |
| Securities held to maturity | 4,838,000 | 6,067,000 | 5,832,000 | 5,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,657,000 | 268,353,000 | 274,374,000 | 271,999,000 |
| Interest-bearing deposits | 206,793,000 | 216,972,000 | 213,735,000 | 218,442,000 |
| Noninterest-bearing deposits | 49,864,000 | 51,381,000 | 60,639,000 | 53,557,000 |
| Equity capital | 31,959,000 | 31,945,000 | 32,305,000 | 31,644,000 |
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 | 4,624,000 | 9,204,000 | 13,971,000 | 18,827,000 |
| Interest expense | 1,443,000 | 2,794,000 | 4,111,000 | 5,371,000 |
| Net interest income | 3,181,000 | 6,410,000 | 9,860,000 | 13,456,000 |
| Noninterest income | 466,000 | 978,000 | 1,495,000 | 1,943,000 |
| Noninterest expense | 2,731,000 | 5,334,000 | 8,157,000 | 11,146,000 |
| Provision for loan losses | -41,000 | 13,000 | 67,000 | 1,271,000 |
| Pretax income | 957,000 | 2,094,000 | 2,427,000 | 2,278,000 |
| Income tax | 288,000 | 625,000 | 691,000 | 597,000 |
| Net income | 669,000 | 1,469,000 | 1,736,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,010,000 | 26,290,000 | 26,702,000 | 25,754,000 |
| Total capital | 28,576,000 | 28,913,000 | 28,860,000 | 29,143,000 |
| Risk-weighted assets | 228,854,000 | 238,651,000 | 260,172,000 | 270,705,000 |