Call reports 2003
NBW BANK — 2003
What NBW BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 94,592,000 | 101,376,000 | 101,256,000 | 104,184,000 |
| Total loans | 69,830,000 | 72,915,000 | 72,067,000 | 73,031,000 |
| Allowance for loan losses | 441,000 | 466,000 | 480,000 | 499,000 |
| Securities available for sale | 13,618,000 | 11,902,000 | 14,197,000 | 14,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,948,000 | 89,837,000 | 90,327,000 | 93,153,000 |
| Interest-bearing deposits | 69,359,000 | 72,609,000 | 74,007,000 | 75,825,000 |
| Noninterest-bearing deposits | 14,589,000 | 17,228,000 | 16,320,000 | 17,328,000 |
| Equity capital | 9,824,000 | 9,952,000 | 10,226,000 | 10,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,669,000 | 4,040,000 | 5,407,000 |
| Interest expense | 327,000 | 677,000 | 988,000 | 1,284,000 |
| Net interest income | 955,000 | 1,992,000 | 3,052,000 | 4,123,000 |
| Noninterest income | 127,000 | 320,000 | 541,000 | 642,000 |
| Noninterest expense | 625,000 | 1,362,000 | 2,102,000 | 2,905,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 427,000 | 890,000 | 1,401,000 | 1,740,000 |
| Income tax | 143,000 | 299,000 | 473,000 | 578,000 |
| Net income | 284,000 | 591,000 | 928,000 | 1,162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,798,000 | 8,913,000 | 9,267,000 | 9,199,000 |
| Total capital | 9,239,000 | 9,379,000 | 9,747,000 | 9,698,000 |
| Risk-weighted assets | 67,110,000 | 71,135,000 | 71,639,000 | 74,624,000 |
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