Call reports 2003
NORTHWAY BANK — 2003
What NORTHWAY 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 | 372,349,000 | 390,043,000 | 406,127,000 | 406,106,000 |
| Total loans | 301,230,000 | 301,461,000 | 318,009,000 | 324,576,000 |
| Allowance for loan losses | 3,463,000 | 3,503,000 | 3,483,000 | 3,464,000 |
| Securities available for sale | 42,964,000 | 44,314,000 | 46,158,000 | 42,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,718,000 | 299,433,000 | 303,355,000 | 295,952,000 |
| Interest-bearing deposits | 253,669,000 | 258,728,000 | 258,001,000 | 255,611,000 |
| Noninterest-bearing deposits | 42,049,000 | 40,705,000 | 45,354,000 | 40,341,000 |
| Equity capital | 33,777,000 | 35,190,000 | 35,202,000 | 35,991,000 |
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 | 5,072,000 | 10,343,000 | 15,297,000 | 20,343,000 |
| Interest expense | 1,292,000 | 2,638,000 | 3,936,000 | 5,128,000 |
| Net interest income | 3,780,000 | 7,705,000 | 11,361,000 | 15,215,000 |
| Noninterest income | 584,000 | 1,184,000 | 1,989,000 | 2,606,000 |
| Noninterest expense | 3,139,000 | 6,386,000 | 9,712,000 | 13,214,000 |
| Provision for loan losses | 150,000 | 250,000 | 280,000 | 310,000 |
| Pretax income | 1,195,000 | 2,372,000 | 3,687,000 | 4,973,000 |
| Income tax | 440,000 | 873,000 | 1,365,000 | 1,710,000 |
| Net income | 755,000 | 1,499,000 | 2,322,000 | 3,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,352,000 | 27,125,000 | 27,768,000 | 28,732,000 |
| Total capital | 29,815,000 | 30,628,000 | 31,286,000 | 32,231,000 |
| Risk-weighted assets | 288,785,000 | 293,783,000 | 305,725,000 | 306,620,000 |