Call reports 2014
NORTHWEST BANK OF ROCKFORD — 2014
What NORTHWEST BANK OF ROCKFORD reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 239,961,000 | 241,775,000 | 241,677,000 | 249,099,000 |
| Total loans | 169,569,000 | 172,299,000 | 177,745,000 | 175,690,000 |
| Allowance for loan losses | 3,933,000 | 3,523,000 | 3,763,000 | 3,466,000 |
| Securities available for sale | 51,334,000 | 48,786,000 | 46,946,000 | 48,214,000 |
| Securities held to maturity | 25,000 | 25,000 | 25,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,138,000 | 203,741,000 | 206,845,000 | 216,026,000 |
| Interest-bearing deposits | 169,677,000 | 173,279,000 | 178,111,000 | 180,647,000 |
| Noninterest-bearing deposits | 32,461,000 | 30,462,000 | 28,735,000 | 35,379,000 |
| Equity capital | 22,811,000 | 23,625,000 | 24,024,000 | 23,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,408,000 | 4,911,000 | 7,421,000 | 9,877,000 |
| Interest expense | 306,000 | 616,000 | 946,000 | 1,306,000 |
| Net interest income | 2,102,000 | 4,295,000 | 6,475,000 | 8,571,000 |
| Noninterest income | 547,000 | 1,221,000 | 2,000,000 | 2,663,000 |
| Noninterest expense | 2,094,000 | 4,216,000 | 6,319,000 | 8,350,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 305,000 | 808,000 | 1,414,000 | 1,892,000 |
| Income tax | 45,000 | 168,000 | 341,000 | 465,000 |
| Net income | 260,000 | 640,000 | 1,073,000 | 1,427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,640,000 | 23,019,000 | 23,452,000 | 22,830,000 |
| Total capital | 24,869,000 | 25,262,000 | 25,734,000 | 25,135,000 |
| Risk-weighted assets | 176,735,000 | 178,159,000 | 181,118,000 | 183,200,000 |