Call reports 2013
NORTHWEST BANK OF ROCKFORD — 2013
What NORTHWEST BANK OF ROCKFORD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 246,641,000 | 246,743,000 | 236,088,000 | 232,818,000 |
| Total loans | 161,009,000 | 163,922,000 | 160,349,000 | 165,255,000 |
| Allowance for loan losses | 3,957,000 | 3,896,000 | 3,796,000 | 4,166,000 |
| Securities available for sale | 57,875,000 | 63,925,000 | 55,938,000 | 51,111,000 |
| Securities held to maturity | 25,000 | 25,000 | 25,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,869,000 | 205,121,000 | 205,374,000 | 201,515,000 |
| Interest-bearing deposits | 183,401,000 | 176,336,000 | 178,813,000 | 170,549,000 |
| Noninterest-bearing deposits | 31,468,000 | 28,784,000 | 26,561,000 | 30,966,000 |
| Equity capital | 22,887,000 | 22,304,000 | 22,240,000 | 22,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,470,000 | 4,966,000 | 7,436,000 | 9,898,000 |
| Interest expense | 385,000 | 767,000 | 1,134,000 | 1,470,000 |
| Net interest income | 2,085,000 | 4,199,000 | 6,302,000 | 8,428,000 |
| Noninterest income | 939,000 | 2,033,000 | 2,934,000 | 3,582,000 |
| Noninterest expense | 2,228,000 | 4,461,000 | 6,722,000 | 8,940,000 |
| Provision for loan losses | 525,000 | 1,050,000 | 1,575,000 | 1,950,000 |
| Pretax income | 271,000 | 788,000 | 1,004,000 | 1,229,000 |
| Income tax | 26,000 | 146,000 | 144,000 | 154,000 |
| Net income | 245,000 | 642,000 | 860,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,523,000 | 21,919,000 | 22,137,000 | 22,379,000 |
| Total capital | 23,673,000 | 24,108,000 | 24,265,000 | 24,558,000 |
| Risk-weighted assets | 170,171,000 | 173,415,000 | 168,535,000 | 172,341,000 |