Call reports 2003
NORTHWESTERN BANK — 2003
What NORTHWESTERN BANK 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 | 542,843,000 | 573,083,000 | 544,313,000 | 542,135,000 |
| Total loans | 481,757,000 | 516,339,000 | 465,436,000 | 470,760,000 |
| Allowance for loan losses | 5,446,000 | 5,714,000 | 5,623,000 | 6,462,000 |
| Securities available for sale | 369,000 | 368,000 | 366,000 | 364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,512,000 | 461,404,000 | 443,578,000 | 440,960,000 |
| Interest-bearing deposits | 386,513,000 | 391,141,000 | 390,868,000 | 389,946,000 |
| Noninterest-bearing deposits | 56,999,000 | 70,263,000 | 52,710,000 | 51,014,000 |
| Equity capital | 44,954,000 | 48,136,000 | 50,542,000 | 49,338,000 |
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 | 7,255,000 | 14,624,000 | 21,859,000 | 28,877,000 |
| Interest expense | 2,561,000 | 5,097,000 | 7,477,000 | 9,822,000 |
| Net interest income | 4,694,000 | 9,527,000 | 14,382,000 | 19,055,000 |
| Noninterest income | 5,291,000 | 11,214,000 | 16,632,000 | 19,391,000 |
| Noninterest expense | 6,173,000 | 13,048,000 | 19,598,000 | 26,160,000 |
| Provision for loan losses | 75,000 | 350,000 | 425,000 | 1,300,000 |
| Pretax income | 3,737,000 | 7,343,000 | 10,991,000 | 10,986,000 |
| Income tax | 1,271,000 | 2,496,000 | 3,737,000 | 3,735,000 |
| Net income | 2,466,000 | 4,847,000 | 7,254,000 | 7,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,227,000 | 42,465,000 | 44,890,000 | 43,768,000 |
| Total capital | 44,471,000 | 48,061,000 | 50,305,000 | 49,288,000 |
| Risk-weighted assets | 419,309,000 | 447,564,000 | 432,960,000 | 440,647,000 |