Call reports 2003
NORTHWEST BUSINESS BANK — 2003
What NORTHWEST BUSINESS 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 | 95,722,000 | 97,268,000 | 108,400,000 | 126,920,000 |
| Total loans | 71,543,000 | 74,216,000 | 82,301,000 | 94,760,000 |
| Allowance for loan losses | 1,392,000 | 1,103,000 | 1,212,000 | 1,080,000 |
| Securities available for sale | 3,189,000 | 4,872,000 | 5,496,000 | 4,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,036,000 | 80,565,000 | 90,332,000 | 108,018,000 |
| Interest-bearing deposits | 58,256,000 | 54,472,000 | 59,978,000 | 75,542,000 |
| Noninterest-bearing deposits | 22,780,000 | 26,093,000 | 30,354,000 | 32,476,000 |
| Equity capital | 13,521,000 | 13,758,000 | 13,989,000 | 14,356,000 |
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 | 1,506,000 | 2,984,000 | 4,523,000 | 6,194,000 |
| Interest expense | 328,000 | 623,000 | 864,000 | 1,163,000 |
| Net interest income | 1,178,000 | 2,361,000 | 3,659,000 | 5,031,000 |
| Noninterest income | 118,000 | 261,000 | 380,000 | 558,000 |
| Noninterest expense | 718,000 | 1,458,000 | 2,248,000 | 3,081,000 |
| Provision for loan losses | 225,000 | 450,000 | 645,000 | 785,000 |
| Pretax income | 353,000 | 714,000 | 1,146,000 | 1,723,000 |
| Income tax | 123,000 | 249,000 | 401,000 | 600,000 |
| Net income | 230,000 | 465,000 | 745,000 | 1,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,490,000 | 13,725,000 | 14,006,000 | 14,383,000 |
| Total capital | 14,495,000 | 14,765,000 | 15,162,000 | 15,463,000 |
| Risk-weighted assets | 80,070,000 | 83,132,000 | 92,419,000 | 106,912,000 |