Call reports 2012
NOVA BANK — 2012
What NOVA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 493,209,000 | 482,954,000 | 444,710,000 |
| Total loans | 309,005,000 | 292,154,000 | 271,628,000 |
| Allowance for loan losses | 7,539,000 | 6,638,000 | 6,182,000 |
| Securities available for sale | 110,716,000 | 103,186,000 | 100,522,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 436,568,000 | 432,168,000 | 395,248,000 |
| Interest-bearing deposits | 377,836,000 | 368,180,000 | 352,323,000 |
| Noninterest-bearing deposits | 58,732,000 | 63,987,000 | 42,925,000 |
| Equity capital | 9,501,000 | 3,764,000 | 2,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 5,672,000 | 10,812,000 | 15,522,000 |
| Interest expense | 2,360,000 | 4,457,000 | 6,382,000 |
| Net interest income | 3,312,000 | 6,355,000 | 9,140,000 |
| Noninterest income | 1,287,000 | 2,655,000 | 3,597,000 |
| Noninterest expense | 4,327,000 | 8,593,000 | 12,858,000 |
| Provision for loan losses | 75,000 | 5,275,000 | 7,975,000 |
| Pretax income | 113,000 | -5,060,000 | -7,304,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 113,000 | -5,060,000 | -7,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 12,687,000 | 7,514,000 | 5,270,000 |
| Total capital | 17,548,000 | 12,137,000 | 9,632,000 |
| Risk-weighted assets | 386,182,000 | 367,836,000 | 347,144,000 |