Call reports 2005
NORTHWAY BANK — 2005
What NORTHWAY 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 | 391,562,000 | 403,102,000 | 413,187,000 | 626,291,000 |
| Total loans | 300,989,000 | 302,880,000 | 304,446,000 | 460,826,000 |
| Allowance for loan losses | 3,427,000 | 3,394,000 | 3,343,000 | 5,150,000 |
| Securities available for sale | 65,398,000 | 68,283,000 | 69,211,000 | 103,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,291,000 | 291,521,000 | 285,004,000 | 464,787,000 |
| Interest-bearing deposits | 241,519,000 | 244,969,000 | 239,817,000 | 387,202,000 |
| Noninterest-bearing deposits | 40,771,000 | 46,552,000 | 45,187,000 | 77,585,000 |
| Equity capital | 36,978,000 | 37,608,000 | 37,474,000 | 61,518,000 |
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 | 5,110,000 | 10,145,000 | 15,563,000 | 32,104,000 |
| Interest expense | 1,102,000 | 2,326,000 | 3,770,000 | 7,585,000 |
| Net interest income | 4,008,000 | 7,819,000 | 11,793,000 | 24,519,000 |
| Noninterest income | 545,000 | 1,155,000 | 1,857,000 | 4,351,000 |
| Noninterest expense | 3,275,000 | 6,716,000 | 10,392,000 | 23,587,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 75,000 |
| Pretax income | 1,296,000 | 2,384,000 | 3,426,000 | 4,657,000 |
| Income tax | 439,000 | 778,000 | 1,121,000 | 1,280,000 |
| Net income | 857,000 | 1,606,000 | 2,305,000 | 3,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,169,000 | 31,531,000 | 31,955,000 | 50,450,000 |
| Total capital | 34,639,000 | 34,968,000 | 35,342,000 | 55,673,000 |
| Risk-weighted assets | 282,134,000 | 282,969,000 | 284,608,000 | 420,288,000 |