Call reports 2004
NORTHWESTERN BANK — 2004
What NORTHWESTERN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 562,506,000 | 577,723,000 | 604,060,000 | 617,244,000 |
| Total loans | 494,852,000 | 499,968,000 | 527,606,000 | 537,035,000 |
| Allowance for loan losses | 6,350,000 | 6,366,000 | 6,369,000 | 6,863,000 |
| Securities available for sale | 362,000 | 359,000 | 357,000 | 354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,554,000 | 476,091,000 | 499,878,000 | 511,364,000 |
| Interest-bearing deposits | 413,881,000 | 423,962,000 | 442,266,000 | 453,675,000 |
| Noninterest-bearing deposits | 47,673,000 | 52,129,000 | 57,612,000 | 57,690,000 |
| Equity capital | 50,287,000 | 51,378,000 | 52,684,000 | 54,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,049,000 | 14,227,000 | 21,824,000 | 29,956,000 |
| Interest expense | 2,269,000 | 4,567,000 | 6,967,000 | 9,554,000 |
| Net interest income | 4,780,000 | 9,660,000 | 14,857,000 | 20,402,000 |
| Noninterest income | 2,974,000 | 6,724,000 | 9,586,000 | 12,625,000 |
| Noninterest expense | 6,241,000 | 12,330,000 | 18,333,000 | 23,988,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,000,000 |
| Pretax income | 1,438,000 | 3,904,000 | 5,885,000 | 8,039,000 |
| Income tax | 489,000 | 1,327,000 | 2,001,000 | 2,733,000 |
| Net income | 949,000 | 2,577,000 | 3,884,000 | 5,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,813,000 | 45,933,000 | 47,328,000 | 48,871,000 |
| Total capital | 50,721,000 | 52,054,000 | 53,697,000 | 55,481,000 |
| Risk-weighted assets | 472,195,000 | 489,423,000 | 519,179,000 | 528,576,000 |