Call reports 2004
POWELL VALLEY NATIONAL BANK — 2004
What POWELL VALLEY NATIONAL 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 | 211,606,000 | 214,389,000 | 217,264,000 | 222,815,000 |
| Total loans | 145,952,000 | 149,433,000 | 155,161,000 | 157,472,000 |
| Allowance for loan losses | 1,583,000 | 1,780,000 | 1,767,000 | 1,749,000 |
| Securities available for sale | 41,896,000 | 40,503,000 | 40,699,000 | 40,838,000 |
| Securities held to maturity | 1,036,000 | 927,000 | 810,000 | 810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,284,000 | 182,727,000 | 185,717,000 | 190,920,000 |
| Interest-bearing deposits | 151,193,000 | 155,432,000 | 154,384,000 | 162,373,000 |
| Noninterest-bearing deposits | 29,091,000 | 27,295,000 | 31,333,000 | 28,547,000 |
| Equity capital | 28,698,000 | 28,135,000 | 29,703,000 | 30,179,000 |
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 | 3,204,000 | 6,428,000 | 9,732,000 | 13,167,000 |
| Interest expense | 778,000 | 1,532,000 | 2,296,000 | 3,131,000 |
| Net interest income | 2,426,000 | 4,896,000 | 7,436,000 | 10,036,000 |
| Noninterest income | 147,000 | 314,000 | 509,000 | 637,000 |
| Noninterest expense | 1,413,000 | 2,755,000 | 4,216,000 | 5,783,000 |
| Provision for loan losses | 80,000 | 155,000 | 155,000 | 155,000 |
| Pretax income | 1,092,000 | 2,312,000 | 3,592,000 | 4,753,000 |
| Income tax | 285,000 | 630,000 | 1,025,000 | 1,278,000 |
| Net income | 807,000 | 1,682,000 | 2,567,000 | 3,475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,060,000 | 26,765,000 | 27,767,000 | 28,511,000 |
| Total capital | 27,643,000 | 28,545,000 | 29,534,000 | 30,300,000 |
| Risk-weighted assets | 147,807,000 | 151,160,000 | 155,401,000 | 158,043,000 |
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