Call reports 2005
NORTHWEST BUSINESS BANK — 2005
What NORTHWEST BUSINESS 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 |
|---|---|---|---|
| Total assets | 150,813,000 | 143,479,000 | 154,307,000 |
| Total loans | 125,657,000 | 123,873,000 | 136,592,000 |
| Allowance for loan losses | 1,595,000 | 1,685,000 | 1,542,000 |
| Securities available for sale | 11,733,000 | 11,799,000 | 10,548,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 117,584,000 | 113,256,000 | 126,004,000 |
| Interest-bearing deposits | 103,292,000 | 101,506,000 | 113,368,000 |
| Noninterest-bearing deposits | 14,292,000 | 11,750,000 | 12,637,000 |
| Equity capital | 16,509,000 | 17,048,000 | 17,454,000 |
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 |
|---|---|---|---|
| Interest income | 2,136,000 | 4,460,000 | 6,831,000 |
| Interest expense | 648,000 | 1,423,000 | 2,305,000 |
| Net interest income | 1,488,000 | 3,037,000 | 4,526,000 |
| Noninterest income | 44,000 | 72,000 | 109,000 |
| Noninterest expense | 889,000 | 1,684,000 | 2,393,000 |
| Provision for loan losses | 120,000 | 210,000 | 300,000 |
| Pretax income | 523,000 | 1,215,000 | 1,942,000 |
| Income tax | 183,000 | 421,000 | 671,000 |
| Net income | 340,000 | 794,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 16,663,000 | 17,117,000 | 17,594,000 |
| Total capital | 18,258,000 | 18,742,000 | 19,136,000 |
| Risk-weighted assets | 129,371,000 | 129,903,000 | 139,900,000 |