Call reports 2004
NORTHWAY BANK — 2004
What NORTHWAY 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 | 412,181,000 | 399,376,000 | 398,379,000 | 402,859,000 |
| Total loans | 326,653,000 | 330,198,000 | 313,251,000 | 307,803,000 |
| Allowance for loan losses | 3,418,000 | 3,372,000 | 3,419,000 | 3,419,000 |
| Securities available for sale | 38,366,000 | 41,932,000 | 52,818,000 | 63,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,938,000 | 297,317,000 | 297,039,000 | 303,374,000 |
| Interest-bearing deposits | 243,040,000 | 252,760,000 | 251,166,000 | 259,060,000 |
| Noninterest-bearing deposits | 41,898,000 | 44,557,000 | 45,873,000 | 44,314,000 |
| Equity capital | 36,423,000 | 35,832,000 | 36,903,000 | 37,107,000 |
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 | 4,912,000 | 9,843,000 | 14,692,000 | 19,640,000 |
| Interest expense | 1,100,000 | 2,209,000 | 3,312,000 | 4,393,000 |
| Net interest income | 3,812,000 | 7,634,000 | 11,380,000 | 15,247,000 |
| Noninterest income | 486,000 | 1,116,000 | 2,072,000 | 2,601,000 |
| Noninterest expense | 3,269,000 | 6,661,000 | 9,899,000 | 13,178,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,266,000 | 2,458,000 | 3,861,000 | 4,955,000 |
| Income tax | 449,000 | 866,000 | 1,370,000 | 1,747,000 |
| Net income | 817,000 | 1,592,000 | 2,491,000 | 3,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,192,000 | 29,649,000 | 30,190,000 | 30,589,000 |
| Total capital | 32,645,000 | 33,056,000 | 33,650,000 | 34,051,000 |
| Risk-weighted assets | 307,736,000 | 302,201,000 | 289,999,000 | 288,713,000 |