Call reports 2015
NBW BANK — 2015
What NBW BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 138,677,000 | 142,085,000 | 140,485,000 | 149,293,000 |
| Total loans | 89,266,000 | 96,521,000 | 95,248,000 | 93,092,000 |
| Allowance for loan losses | 1,533,000 | 1,563,000 | 1,590,000 | 1,515,000 |
| Securities available for sale | 22,181,000 | 21,414,000 | 20,261,000 | 19,343,000 |
| Securities held to maturity | 9,609,000 | 9,257,000 | 9,238,000 | 9,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,547,000 | 125,763,000 | 123,583,000 | 132,784,000 |
| Interest-bearing deposits | 96,382,000 | 96,552,000 | 95,344,000 | 101,429,000 |
| Noninterest-bearing deposits | 26,165,000 | 29,211,000 | 28,239,000 | 31,355,000 |
| Equity capital | 15,540,000 | 15,729,000 | 16,231,000 | 16,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,880,000 | 4,395,000 | 5,890,000 |
| Interest expense | 126,000 | 252,000 | 378,000 | 499,000 |
| Net interest income | 1,290,000 | 2,628,000 | 4,017,000 | 5,391,000 |
| Noninterest income | 209,000 | 314,000 | 480,000 | 471,000 |
| Noninterest expense | 916,000 | 1,685,000 | 2,548,000 | 3,338,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 553,000 | 1,197,000 | 1,859,000 | 2,370,000 |
| Income tax | 186,000 | 361,000 | 553,000 | 695,000 |
| Net income | 367,000 | 836,000 | 1,306,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,684,000 | 14,689,000 | 15,321,000 | 15,554,000 |
| Total capital | 16,035,000 | 16,011,000 | 16,702,000 | 16,894,000 |
| Risk-weighted assets | 107,938,000 | 105,277,000 | 110,049,000 | 106,964,000 |