Call reports 2005
NORTH LOUP VALLEY BANK — 2005
What NORTH LOUP VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 17,202,000 | 17,887,000 | 17,662,000 | 17,036,000 |
| Total loans | 7,917,000 | 8,970,000 | 9,363,000 | 8,526,000 |
| Allowance for loan losses | 219,000 | 220,000 | 243,000 | 243,000 |
| Securities available for sale | 3,641,000 | 3,476,000 | 2,758,000 | 2,731,000 |
| Securities held to maturity | 5,081,000 | 4,903,000 | 4,899,000 | 4,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,576,000 | 14,897,000 | 14,732,000 | 14,988,000 |
| Interest-bearing deposits | 14,070,000 | 13,586,000 | 13,520,000 | 12,859,000 |
| Noninterest-bearing deposits | 1,506,000 | 1,311,000 | 1,212,000 | 2,129,000 |
| Equity capital | 1,522,000 | 1,591,000 | 1,622,000 | 1,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 195,000 | 429,000 | 693,000 | 1,001,000 |
| Interest expense | 88,000 | 187,000 | 298,000 | 405,000 |
| Net interest income | 107,000 | 242,000 | 395,000 | 596,000 |
| Noninterest income | 15,000 | 39,000 | 58,000 | 88,000 |
| Noninterest expense | 90,000 | 181,000 | 292,000 | 439,000 |
| Provision for loan losses | 3,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 29,000 | 96,000 | 157,000 | 241,000 |
| Income tax | 8,000 | 30,000 | 46,000 | 80,000 |
| Net income | 21,000 | 66,000 | 111,000 | 161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,562,000 | 1,606,000 | 1,651,000 | 1,656,000 |
| Total capital | 1,691,000 | 1,747,000 | 1,797,000 | 1,795,000 |
| Risk-weighted assets | 10,219,000 | 11,226,000 | 11,580,000 | 10,982,000 |
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