Call reports 2008
NORTHWEST BANK OF ROCKFORD — 2008
What NORTHWEST BANK OF ROCKFORD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 221,161,000 | 222,553,000 | 217,090,000 | 218,276,000 |
| Total loans | 160,325,000 | 168,899,000 | 162,365,000 | 164,370,000 |
| Allowance for loan losses | 1,949,000 | 2,639,000 | 2,314,000 | 2,613,000 |
| Securities available for sale | 37,630,000 | 37,237,000 | 37,845,000 | 38,266,000 |
| Securities held to maturity | 172,000 | 172,000 | 172,000 | 172,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,741,000 | 184,432,000 | 184,580,000 | 185,926,000 |
| Interest-bearing deposits | 151,849,000 | 159,182,000 | 158,415,000 | 163,115,000 |
| Noninterest-bearing deposits | 34,892,000 | 25,250,000 | 26,165,000 | 22,811,000 |
| Equity capital | 18,257,000 | 17,665,000 | 16,996,000 | 17,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,211,000 | 6,367,000 | 9,415,000 | 12,439,000 |
| Interest expense | 1,653,000 | 3,189,000 | 4,668,000 | 6,069,000 |
| Net interest income | 1,558,000 | 3,178,000 | 4,747,000 | 6,370,000 |
| Noninterest income | 550,000 | 963,000 | 1,402,000 | 1,887,000 |
| Noninterest expense | 1,480,000 | 2,994,000 | 4,471,000 | 6,003,000 |
| Provision for loan losses | 60,000 | 900,000 | 2,740,000 | 3,300,000 |
| Pretax income | 651,000 | 333,000 | -976,000 | -940,000 |
| Income tax | 172,000 | -25,000 | -602,000 | -673,000 |
| Net income | 479,000 | 358,000 | -374,000 | -267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,969,000 | 17,848,000 | 17,116,000 | 17,231,000 |
| Total capital | 19,918,000 | 20,094,000 | 19,249,000 | 19,386,000 |
| Risk-weighted assets | 173,278,000 | 179,293,000 | 170,454,000 | 171,917,000 |
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