Call reports 2005
NORTHWEST BANK OF ROCKFORD — 2005
What NORTHWEST BANK OF ROCKFORD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 180,969,000 | 182,820,000 | 187,358,000 | 196,479,000 |
| Total loans | 129,162,000 | 131,095,000 | 133,312,000 | 142,638,000 |
| Allowance for loan losses | 1,561,000 | 1,638,000 | 1,390,000 | 1,443,000 |
| Securities available for sale | 36,534,000 | 37,098,000 | 35,414,000 | 35,392,000 |
| Securities held to maturity | 318,000 | 318,000 | 318,000 | 318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,576,000 | 149,611,000 | 156,030,000 | 165,563,000 |
| Interest-bearing deposits | 130,184,000 | 125,499,000 | 130,342,000 | 139,199,000 |
| Noninterest-bearing deposits | 24,392,000 | 24,112,000 | 25,688,000 | 26,364,000 |
| Equity capital | 14,959,000 | 15,312,000 | 15,363,000 | 15,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,490,000 | 5,065,000 | 7,815,000 | 10,660,000 |
| Interest expense | 811,000 | 1,707,000 | 2,738,000 | 3,931,000 |
| Net interest income | 1,679,000 | 3,358,000 | 5,077,000 | 6,729,000 |
| Noninterest income | 450,000 | 965,000 | 1,470,000 | 1,934,000 |
| Noninterest expense | 1,384,000 | 2,804,000 | 4,446,000 | 6,042,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 630,000 |
| Pretax income | 625,000 | 1,278,000 | 1,738,000 | 1,988,000 |
| Income tax | 178,000 | 363,000 | 474,000 | 516,000 |
| Net income | 447,000 | 915,000 | 1,264,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,983,000 | 15,237,000 | 15,385,000 | 15,393,000 |
| Total capital | 16,544,000 | 16,875,000 | 16,775,000 | 16,836,000 |
| Risk-weighted assets | 139,755,000 | 141,803,000 | 146,853,000 | 154,991,000 |
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