Call reports 2007
NORTHWAY BANK — 2007
What NORTHWAY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 673,094,000 | 684,788,000 | 681,179,000 | 684,142,000 |
| Total loans | 464,804,000 | 481,397,000 | 490,577,000 | 490,372,000 |
| Allowance for loan losses | 5,701,000 | 5,814,000 | 6,032,000 | 6,240,000 |
| Securities available for sale | 145,790,000 | 147,950,000 | 146,457,000 | 143,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,118,000 | 497,936,000 | 479,476,000 | 478,566,000 |
| Interest-bearing deposits | 419,706,000 | 424,990,000 | 405,927,000 | 410,685,000 |
| Noninterest-bearing deposits | 69,412,000 | 72,946,000 | 73,549,000 | 67,881,000 |
| Equity capital | 64,630,000 | 60,018,000 | 61,396,000 | 61,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,515,000 | 19,534,000 | 29,778,000 | 39,830,000 |
| Interest expense | 3,913,000 | 8,082,000 | 12,387,000 | 16,586,000 |
| Net interest income | 5,602,000 | 11,452,000 | 17,391,000 | 23,244,000 |
| Noninterest income | 1,236,000 | 2,509,000 | 3,775,000 | 5,130,000 |
| Noninterest expense | 5,522,000 | 11,398,000 | 17,080,000 | 23,053,000 |
| Provision for loan losses | 120,000 | 330,000 | 540,000 | 810,000 |
| Pretax income | 1,337,000 | 2,580,000 | 4,041,000 | 5,031,000 |
| Income tax | 275,000 | 503,000 | 780,000 | 928,000 |
| Net income | 1,062,000 | 2,077,000 | 3,261,000 | 4,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,177,000 | 49,282,000 | 49,824,000 | 49,703,000 |
| Total capital | 57,483,000 | 54,718,000 | 55,241,000 | 55,090,000 |
| Risk-weighted assets | 417,241,000 | 428,004,000 | 426,924,000 | 430,064,000 |