Call reports 2004
NORTHWEST BANK OF ROCKFORD — 2004
What NORTHWEST BANK OF ROCKFORD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 170,438,000 | 168,883,000 | 181,504,000 | 178,347,000 |
| Total loans | 127,933,000 | 126,355,000 | 128,663,000 | 129,294,000 |
| Allowance for loan losses | 1,214,000 | 1,308,000 | 1,453,000 | 1,510,000 |
| Securities available for sale | 30,056,000 | 27,801,000 | 33,142,000 | 33,926,000 |
| Securities held to maturity | 319,000 | 318,000 | 318,000 | 318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,250,000 | 143,494,000 | 151,217,000 | 150,482,000 |
| Interest-bearing deposits | 118,270,000 | 119,391,000 | 122,825,000 | 125,888,000 |
| Noninterest-bearing deposits | 23,980,000 | 24,103,000 | 28,392,000 | 24,594,000 |
| Equity capital | 14,507,000 | 14,256,000 | 14,916,000 | 15,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,316,000 | 4,658,000 | 7,051,000 | 9,537,000 |
| Interest expense | 712,000 | 1,386,000 | 2,081,000 | 2,859,000 |
| Net interest income | 1,604,000 | 3,272,000 | 4,970,000 | 6,678,000 |
| Noninterest income | 503,000 | 937,000 | 1,434,000 | 1,820,000 |
| Noninterest expense | 1,178,000 | 2,387,000 | 3,645,000 | 4,920,000 |
| Provision for loan losses | 140,000 | 245,000 | 380,000 | 670,000 |
| Pretax income | 789,000 | 1,577,000 | 2,379,000 | 2,908,000 |
| Income tax | 238,000 | 482,000 | 720,000 | 888,000 |
| Net income | 551,000 | 1,095,000 | 1,659,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,814,000 | 14,197,000 | 14,561,000 | 14,722,000 |
| Total capital | 15,028,000 | 15,505,000 | 16,014,000 | 16,232,000 |
| Risk-weighted assets | 136,286,000 | 136,296,000 | 138,526,000 | 139,137,000 |
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