Call reports 2009
NORTHERN STATE BANK OF VIRGINIA — 2009
What NORTHERN STATE BANK OF VIRGINIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 51,605,000 | 51,364,000 | 51,277,000 | 52,127,000 |
| Total loans | 40,158,000 | 41,226,000 | 40,168,000 | 41,642,000 |
| Allowance for loan losses | 470,000 | 429,000 | 450,000 | 475,000 |
| Securities available for sale | 2,821,000 | 2,329,000 | 2,319,000 | 2,052,000 |
| Securities held to maturity | 2,581,000 | 2,579,000 | 2,578,000 | 2,551,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,343,000 | 47,155,000 | 47,020,000 | 47,851,000 |
| Interest-bearing deposits | 42,380,000 | 41,929,000 | 41,931,000 | 42,680,000 |
| Noninterest-bearing deposits | 4,963,000 | 5,226,000 | 5,089,000 | 5,171,000 |
| Equity capital | 4,190,000 | 4,115,000 | 4,191,000 | 4,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 681,000 | 1,354,000 | 1,995,000 | 2,651,000 |
| Interest expense | 163,000 | 319,000 | 467,000 | 607,000 |
| Net interest income | 518,000 | 1,035,000 | 1,528,000 | 2,044,000 |
| Noninterest income | 58,000 | 102,000 | 178,000 | 233,000 |
| Noninterest expense | 512,000 | 1,079,000 | 1,554,000 | 2,106,000 |
| Provision for loan losses | 30,000 | 56,000 | 73,000 | 98,000 |
| Pretax income | 34,000 | 2,000 | 79,000 | 73,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 34,000 | 2,000 | 79,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,158,000 | 4,089,000 | 4,165,000 | 4,159,000 |
| Total capital | 4,610,000 | 4,518,000 | 4,615,000 | 4,634,000 |
| Risk-weighted assets | 36,132,000 | 36,756,000 | 36,879,000 | 38,836,000 |
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