Call reports 2015
NORTHWEST BANK OF ROCKFORD — 2015
What NORTHWEST BANK OF ROCKFORD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 250,476,000 | 259,033,000 | 244,685,000 | 249,718,000 |
| Total loans | 168,536,000 | 190,274,000 | 182,566,000 | 187,662,000 |
| Allowance for loan losses | 3,637,000 | 3,778,000 | 3,878,000 | 3,714,000 |
| Securities available for sale | 57,600,000 | 51,316,000 | 42,643,000 | 41,397,000 |
| Securities held to maturity | 25,000 | 25,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,196,000 | 214,999,000 | 211,336,000 | 216,858,000 |
| Interest-bearing deposits | 183,763,000 | 178,916,000 | 178,867,000 | 177,711,000 |
| Noninterest-bearing deposits | 34,433,000 | 36,083,000 | 32,469,000 | 39,147,000 |
| Equity capital | 23,758,000 | 23,770,000 | 24,126,000 | 24,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,405,000 | 4,932,000 | 7,492,000 | 9,977,000 |
| Interest expense | 352,000 | 703,000 | 1,050,000 | 1,389,000 |
| Net interest income | 2,053,000 | 4,229,000 | 6,442,000 | 8,588,000 |
| Noninterest income | 680,000 | 1,534,000 | 2,421,000 | 3,158,000 |
| Noninterest expense | 2,041,000 | 4,140,000 | 6,216,000 | 8,317,000 |
| Provision for loan losses | 175,000 | 350,000 | 525,000 | 700,000 |
| Pretax income | 532,000 | 1,291,000 | 2,166,000 | 2,773,000 |
| Income tax | 133,000 | 350,000 | 622,000 | 788,000 |
| Net income | 399,000 | 941,000 | 1,544,000 | 1,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,979,000 | 23,293,000 | 23,646,000 | 23,851,000 |
| Total capital | 25,325,000 | 25,923,000 | 26,097,000 | 26,369,000 |
| Risk-weighted assets | 186,409,000 | 209,247,000 | 194,653,000 | 200,280,000 |