Call reports 2007
NORTHERN STATE BANK OF VIRGINIA — 2007
What NORTHERN STATE BANK OF VIRGINIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 51,384,000 | 52,348,000 | 52,940,000 | 52,555,000 |
| Total loans | 37,844,000 | 38,991,000 | 38,775,000 | 38,967,000 |
| Allowance for loan losses | 479,000 | 500,000 | 431,000 | 434,000 |
| Securities available for sale | 7,543,000 | 7,040,000 | 7,097,000 | 7,135,000 |
| Securities held to maturity | 2,472,000 | 2,472,000 | 2,471,000 | 2,516,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,082,000 | 47,004,000 | 47,772,000 | 47,237,000 |
| Interest-bearing deposits | 39,058,000 | 41,785,000 | 42,852,000 | 41,917,000 |
| Noninterest-bearing deposits | 5,024,000 | 5,219,000 | 4,920,000 | 5,320,000 |
| Equity capital | 4,001,000 | 3,957,000 | 4,091,000 | 4,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 871,000 | 1,781,000 | 2,701,000 | 3,605,000 |
| Interest expense | 336,000 | 706,000 | 1,072,000 | 1,393,000 |
| Net interest income | 535,000 | 1,075,000 | 1,629,000 | 2,212,000 |
| Noninterest income | 61,000 | 141,000 | 221,000 | 287,000 |
| Noninterest expense | 493,000 | 1,015,000 | 1,499,000 | 1,976,000 |
| Provision for loan losses | 5,000 | 26,000 | 38,000 | 38,000 |
| Pretax income | 98,000 | 175,000 | 313,000 | 485,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 98,000 | 175,000 | 313,000 | 485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,040,000 | 4,014,000 | 4,099,000 | 4,220,000 |
| Total capital | 4,481,000 | 4,469,000 | 4,530,000 | 4,654,000 |
| Risk-weighted assets | 35,260,000 | 36,331,000 | 37,001,000 | 37,075,000 |
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