Call reports 2009
NORTH LOUP VALLEY BANK — 2009
What NORTH LOUP VALLEY BANK 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 | 17,321,000 | 17,699,000 | 18,647,000 | 18,536,000 |
| Total loans | 8,944,000 | 9,767,000 | 9,791,000 | 9,772,000 |
| Allowance for loan losses | 220,000 | 220,000 | 220,000 | 221,000 |
| Securities available for sale | 0 | 195,000 | 701,000 | 0 |
| Securities held to maturity | 4,372,000 | 3,526,000 | 3,190,000 | 5,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,462,000 | 15,821,000 | 16,736,000 | 16,664,000 |
| Interest-bearing deposits | 13,429,000 | 13,742,000 | 14,403,000 | 14,151,000 |
| Noninterest-bearing deposits | 2,033,000 | 2,079,000 | 2,333,000 | 2,513,000 |
| Equity capital | 1,747,000 | 1,768,000 | 1,803,000 | 1,782,000 |
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 | 216,000 | 426,000 | 634,000 | 832,000 |
| Interest expense | 87,000 | 174,000 | 262,000 | 347,000 |
| Net interest income | 129,000 | 252,000 | 372,000 | 485,000 |
| Noninterest income | 16,000 | 33,000 | 52,000 | 71,000 |
| Noninterest expense | 117,000 | 229,000 | 330,000 | 484,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 28,000 | 56,000 | 94,000 | 72,000 |
| Income tax | 5,000 | 9,000 | 16,000 | 14,000 |
| Net income | 23,000 | 47,000 | 78,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,747,000 | 1,771,000 | 1,802,000 | 1,782,000 |
| Total capital | 1,924,000 | 1,948,000 | 1,989,000 | 1,971,000 |
| Risk-weighted assets | 14,115,000 | 14,092,000 | 14,949,000 | 15,085,000 |