Call reports 2010
NORTH LOUP VALLEY BANK — 2010
What NORTH LOUP VALLEY BANK 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 | 18,533,000 | 18,609,000 | 18,846,000 | 19,743,000 |
| Total loans | 9,836,000 | 10,620,000 | 11,056,000 | 10,372,000 |
| Allowance for loan losses | 232,000 | 239,000 | 246,000 | 213,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,842,000 | 4,114,000 | 3,190,000 | 2,686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,696,000 | 16,319,000 | 16,921,000 | 17,844,000 |
| Interest-bearing deposits | 14,567,000 | 14,107,000 | 14,712,000 | 15,418,000 |
| Noninterest-bearing deposits | 2,129,000 | 2,212,000 | 2,209,000 | 2,426,000 |
| Equity capital | 1,750,000 | 1,783,000 | 1,812,000 | 1,788,000 |
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 | 200,000 | 406,000 | 621,000 | 838,000 |
| Interest expense | 77,000 | 149,000 | 222,000 | 296,000 |
| Net interest income | 123,000 | 257,000 | 399,000 | 542,000 |
| Noninterest income | 17,000 | 31,000 | 54,000 | 79,000 |
| Noninterest expense | 101,000 | 205,000 | 319,000 | 451,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 70,000 |
| Pretax income | 39,000 | 83,000 | 119,000 | 100,000 |
| Income tax | 5,000 | 16,000 | 23,000 | 28,000 |
| Net income | 34,000 | 67,000 | 96,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,750,000 | 1,783,000 | 1,812,000 | 1,788,000 |
| Total capital | 1,942,000 | 1,984,000 | 2,025,000 | 2,001,000 |
| Risk-weighted assets | 15,339,000 | 16,008,000 | 16,995,000 | 17,575,000 |