Call reports 2004
NORTHWEST BUSINESS BANK — 2004
What NORTHWEST BUSINESS 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 | 142,549,000 | 144,226,000 | 150,897,000 | 157,266,000 |
| Total loans | 106,023,000 | 103,865,000 | 112,786,000 | 121,408,000 |
| Allowance for loan losses | 1,177,000 | 1,150,000 | 1,345,000 | 1,475,000 |
| Securities available for sale | 6,506,000 | 6,923,000 | 7,863,000 | 9,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,541,000 | 124,974,000 | 129,114,000 | 125,466,000 |
| Interest-bearing deposits | 84,936,000 | 88,786,000 | 93,186,000 | 98,682,000 |
| Noninterest-bearing deposits | 35,605,000 | 36,188,000 | 35,929,000 | 26,784,000 |
| Equity capital | 14,829,000 | 15,176,000 | 15,747,000 | 16,251,000 |
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 | 1,867,000 | 3,819,000 | 5,780,000 | 7,936,000 |
| Interest expense | 350,000 | 743,000 | 1,171,000 | 1,675,000 |
| Net interest income | 1,517,000 | 3,076,000 | 4,609,000 | 6,261,000 |
| Noninterest income | 135,000 | 281,000 | 450,000 | 561,000 |
| Noninterest expense | 884,000 | 1,684,000 | 2,451,000 | 3,244,000 |
| Provision for loan losses | 105,000 | 305,000 | 475,000 | 625,000 |
| Pretax income | 663,000 | 1,368,000 | 2,133,000 | 2,953,000 |
| Income tax | 229,000 | 480,000 | 747,000 | 1,033,000 |
| Net income | 434,000 | 888,000 | 1,386,000 | 1,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,818,000 | 15,272,000 | 15,770,000 | 16,304,000 |
| Total capital | 15,995,000 | 16,422,000 | 17,115,000 | 17,779,000 |
| Risk-weighted assets | 114,984,000 | 109,811,000 | 118,349,000 | 127,008,000 |