Call reports 2009
NORTH CASCADES NATIONAL BANK — 2009
What NORTH CASCADES NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 323,890,000 | 315,493,000 | 325,267,000 | 334,986,000 |
| Total loans | 254,828,000 | 250,928,000 | 247,420,000 | 230,265,000 |
| Allowance for loan losses | 4,823,000 | 4,576,000 | 5,118,000 | 4,667,000 |
| Securities available for sale | 21,084,000 | 19,800,000 | 19,372,000 | 18,098,000 |
| Securities held to maturity | 5,339,000 | 5,022,000 | 4,725,000 | 4,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,372,000 | 269,185,000 | 280,043,000 | 289,532,000 |
| Interest-bearing deposits | 230,138,000 | 218,686,000 | 224,551,000 | 229,783,000 |
| Noninterest-bearing deposits | 48,234,000 | 50,499,000 | 55,492,000 | 59,749,000 |
| Equity capital | 31,516,000 | 32,045,000 | 32,733,000 | 34,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,782,000 | 9,503,000 | 14,013,000 | 18,304,000 |
| Interest expense | 1,141,000 | 2,192,000 | 3,133,000 | 4,033,000 |
| Net interest income | 3,641,000 | 7,311,000 | 10,880,000 | 14,271,000 |
| Noninterest income | 430,000 | 967,000 | 1,573,000 | 2,114,000 |
| Noninterest expense | 2,964,000 | 6,082,000 | 9,053,000 | 11,879,000 |
| Provision for loan losses | 1,433,000 | 1,601,000 | 2,381,000 | 3,361,000 |
| Pretax income | -150,000 | 772,000 | 1,195,000 | 1,645,000 |
| Income tax | -94,000 | 174,000 | 271,000 | 381,000 |
| Net income | -56,000 | 598,000 | 924,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,726,000 | 26,334,000 | 26,689,000 | 28,556,000 |
| Total capital | 29,163,000 | 29,612,000 | 29,993,000 | 31,639,000 |
| Risk-weighted assets | 273,115,000 | 260,404,000 | 260,610,000 | 244,048,000 |