Call reports 2005
NORTHWESTERN BANK — 2005
What NORTHWESTERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 625,205,000 | 634,505,000 | 662,707,000 | 694,509,000 |
| Total loans | 549,628,000 | 571,797,000 | 592,982,000 | 609,901,000 |
| Allowance for loan losses | 7,061,000 | 6,926,000 | 6,862,000 | 7,325,000 |
| Securities available for sale | 351,000 | 353,000 | 350,000 | 349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 517,422,000 | 526,049,000 | 551,469,000 | 567,177,000 |
| Interest-bearing deposits | 456,431,000 | 454,438,000 | 469,101,000 | 489,999,000 |
| Noninterest-bearing deposits | 60,991,000 | 71,611,000 | 82,368,000 | 77,178,000 |
| Equity capital | 55,625,000 | 57,304,000 | 59,259,000 | 59,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,456,000 | 17,290,000 | 26,864,000 | 37,065,000 |
| Interest expense | 2,669,000 | 5,512,000 | 8,630,000 | 12,206,000 |
| Net interest income | 5,787,000 | 11,778,000 | 18,234,000 | 24,859,000 |
| Noninterest income | 2,920,000 | 5,770,000 | 8,836,000 | 11,576,000 |
| Noninterest expense | 6,227,000 | 12,303,000 | 18,634,000 | 24,825,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,500,000 |
| Pretax income | 2,255,000 | 4,795,000 | 7,761,000 | 10,110,000 |
| Income tax | 767,000 | 1,630,000 | 2,639,000 | 3,437,000 |
| Net income | 1,488,000 | 3,165,000 | 5,122,000 | 6,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,454,000 | 52,231,000 | 54,281,000 | 54,984,000 |
| Total capital | 57,223,000 | 59,157,000 | 61,143,000 | 62,309,000 |
| Risk-weighted assets | 541,265,000 | 566,573,000 | 582,146,000 | 605,240,000 |