Call reports 2008
NORTHERN STATE BANK OF VIRGINIA — 2008
What NORTHERN STATE BANK OF VIRGINIA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 53,746,000 | 52,898,000 | 54,247,000 | 53,251,000 |
| Total loans | 38,742,000 | 39,630,000 | 40,296,000 | 40,567,000 |
| Allowance for loan losses | 435,000 | 492,000 | 486,000 | 477,000 |
| Securities available for sale | 7,363,000 | 6,786,000 | 6,827,000 | 3,829,000 |
| Securities held to maturity | 2,116,000 | 2,746,000 | 2,746,000 | 2,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,437,000 | 47,202,000 | 48,869,000 | 48,883,000 |
| Interest-bearing deposits | 43,419,000 | 40,893,000 | 43,748,000 | 43,304,000 |
| Noninterest-bearing deposits | 5,018,000 | 6,309,000 | 5,121,000 | 5,579,000 |
| Equity capital | 4,232,000 | 4,184,000 | 4,298,000 | 4,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,637,000 | 2,423,000 | 3,156,000 |
| Interest expense | 259,000 | 474,000 | 692,000 | 885,000 |
| Net interest income | 596,000 | 1,163,000 | 1,731,000 | 2,271,000 |
| Noninterest income | 51,000 | 116,000 | 187,000 | 258,000 |
| Noninterest expense | 480,000 | 985,000 | 1,478,000 | 1,978,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 144,000 |
| Pretax income | 167,000 | 294,000 | 425,000 | 407,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 167,000 | 294,000 | 425,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,210,000 | 4,227,000 | 4,304,000 | 4,243,000 |
| Total capital | 4,645,000 | 4,688,000 | 4,763,000 | 4,699,000 |
| Risk-weighted assets | 36,408,000 | 36,830,000 | 36,717,000 | 36,491,000 |
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