Call reports 2004
NORTH LOUP VALLEY BANK — 2004
What NORTH LOUP VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 17,199,000 | 17,520,000 | 18,270,000 | 18,045,000 |
| Total loans | 7,767,000 | 8,218,000 | 8,481,000 | 8,052,000 |
| Allowance for loan losses | 186,000 | 174,000 | 213,000 | 216,000 |
| Securities available for sale | 4,588,000 | 3,798,000 | 3,406,000 | 3,688,000 |
| Securities held to maturity | 2,752,000 | 3,866,000 | 4,281,000 | 4,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,550,000 | 15,924,000 | 16,560,000 | 16,349,000 |
| Interest-bearing deposits | 14,476,000 | 14,508,000 | 14,709,000 | 14,198,000 |
| Noninterest-bearing deposits | 1,074,000 | 1,416,000 | 1,851,000 | 2,151,000 |
| Equity capital | 1,522,000 | 1,497,000 | 1,569,000 | 1,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 425,000 | 645,000 | 864,000 |
| Interest expense | 93,000 | 183,000 | 272,000 | 360,000 |
| Net interest income | 111,000 | 242,000 | 373,000 | 504,000 |
| Noninterest income | 18,000 | 35,000 | 55,000 | 76,000 |
| Noninterest expense | 98,000 | 200,000 | 289,000 | 432,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 28,000 | 71,000 | 130,000 | 136,000 |
| Income tax | 7,000 | 16,000 | 42,000 | 35,000 |
| Net income | 21,000 | 55,000 | 88,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,500,000 | 1,534,000 | 1,568,000 | 1,580,000 |
| Total capital | 1,633,000 | 1,677,000 | 1,718,000 | 1,720,000 |
| Risk-weighted assets | 10,613,000 | 11,417,000 | 11,975,000 | 11,147,000 |
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