Call reports 2003
STATE BANK NORTHWEST — 2003
What STATE BANK NORTHWEST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 50,871,000 | 53,976,000 | 54,246,000 | 55,152,000 |
| Total loans | 40,122,000 | 41,660,000 | 41,546,000 | 40,741,000 |
| Allowance for loan losses | 784,000 | 821,000 | 1,062,000 | 771,000 |
| Securities available for sale | 1,585,000 | 2,310,000 | 1,667,000 | 2,261,000 |
| Securities held to maturity | 0 | 900,000 | 900,000 | 900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,561,000 | 47,733,000 | 48,231,000 | 48,388,000 |
| Interest-bearing deposits | 35,242,000 | 39,108,000 | 37,426,000 | 38,062,000 |
| Noninterest-bearing deposits | 9,319,000 | 8,626,000 | 10,805,000 | 10,327,000 |
| Equity capital | 5,677,000 | 5,794,000 | 5,690,000 | 5,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 850,000 | 1,708,000 | 2,585,000 | 3,414,000 |
| Interest expense | 234,000 | 464,000 | 678,000 | 875,000 |
| Net interest income | 616,000 | 1,244,000 | 1,907,000 | 2,539,000 |
| Noninterest income | 197,000 | 367,000 | 508,000 | 652,000 |
| Noninterest expense | 653,000 | 1,281,000 | 1,941,000 | 2,576,000 |
| Provision for loan losses | 45,000 | 110,000 | 360,000 | 360,000 |
| Pretax income | 115,000 | 220,000 | 114,000 | 265,000 |
| Income tax | 0 | 0 | 0 | -60,000 |
| Net income | 115,000 | 220,000 | 114,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,641,000 | 5,748,000 | 5,645,000 | 5,796,000 |
| Total capital | 6,154,000 | 6,302,000 | 6,196,000 | 6,340,000 |
| Risk-weighted assets | 40,584,000 | 44,009,000 | 43,309,000 | 42,948,000 |