Call reports 2010
NORTHERN STATE BANK OF VIRGINIA — 2010
What NORTHERN STATE BANK OF VIRGINIA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 51,210,000 | 51,044,000 | 54,443,000 | 54,188,000 |
| Total loans | 41,026,000 | 41,660,000 | 41,988,000 | 41,141,000 |
| Allowance for loan losses | 510,000 | 475,000 | 515,000 | 656,000 |
| Securities available for sale | 2,295,000 | 1,974,000 | 1,868,000 | 1,062,000 |
| Securities held to maturity | 2,365,000 | 2,363,000 | 2,362,000 | 3,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,910,000 | 46,830,000 | 50,148,000 | 49,993,000 |
| Interest-bearing deposits | 42,200,000 | 41,998,000 | 44,530,000 | 44,804,000 |
| Noninterest-bearing deposits | 4,710,000 | 4,832,000 | 5,618,000 | 5,189,000 |
| Equity capital | 4,229,000 | 4,159,000 | 4,236,000 | 4,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,320,000 | 1,992,000 | 2,663,000 |
| Interest expense | 130,000 | 261,000 | 399,000 | 540,000 |
| Net interest income | 526,000 | 1,059,000 | 1,593,000 | 2,123,000 |
| Noninterest income | 55,000 | 121,000 | 184,000 | 272,000 |
| Noninterest expense | 491,000 | 1,005,000 | 1,486,000 | 1,979,000 |
| Provision for loan losses | 33,000 | 191,000 | 231,000 | 445,000 |
| Pretax income | 57,000 | -16,000 | 60,000 | -29,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | -16,000 | 60,000 | -29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,216,000 | 4,144,000 | 4,220,000 | 4,131,000 |
| Total capital | 4,690,000 | 4,619,000 | 4,704,000 | 4,603,000 |
| Risk-weighted assets | 37,886,000 | 38,712,000 | 38,695,000 | 37,562,000 |
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