Call reports 2003
NORTH LOUP VALLEY BANK — 2003
What NORTH LOUP VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 16,466,000 | 16,550,000 | 16,817,000 | 17,347,000 |
| Total loans | 8,497,000 | 8,480,000 | 8,887,000 | 8,318,000 |
| Allowance for loan losses | 172,000 | 176,000 | 180,000 | 183,000 |
| Securities available for sale | 4,028,000 | 4,518,000 | 3,752,000 | 4,920,000 |
| Securities held to maturity | 1,730,000 | 1,359,000 | 2,103,000 | 1,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,687,000 | 14,778,000 | 15,020,000 | 15,689,000 |
| Interest-bearing deposits | 13,490,000 | 13,432,000 | 13,974,000 | 13,704,000 |
| Noninterest-bearing deposits | 1,197,000 | 1,346,000 | 1,046,000 | 1,985,000 |
| Equity capital | 1,600,000 | 1,595,000 | 1,611,000 | 1,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 474,000 | 701,000 | 910,000 |
| Interest expense | 109,000 | 215,000 | 313,000 | 414,000 |
| Net interest income | 145,000 | 259,000 | 388,000 | 496,000 |
| Noninterest income | 41,000 | 64,000 | 87,000 | 111,000 |
| Noninterest expense | 106,000 | 203,000 | 308,000 | 452,000 |
| Provision for loan losses | 4,000 | 8,000 | 12,000 | 15,000 |
| Pretax income | 76,000 | 112,000 | 155,000 | 140,000 |
| Income tax | 12,000 | 24,000 | 33,000 | 23,000 |
| Net income | 64,000 | 88,000 | 122,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,551,000 | 1,554,000 | 1,579,000 | 1,514,000 |
| Total capital | 1,690,000 | 1,700,000 | 1,729,000 | 1,662,000 |
| Risk-weighted assets | 11,085,000 | 11,667,000 | 11,983,000 | 11,805,000 |
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