Call reports 2012
NORTH LOUP VALLEY BANK — 2012
What NORTH LOUP VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 22,846,000 | 23,401,000 | 21,647,000 | 22,144,000 |
| Total loans | 9,778,000 | 10,755,000 | 11,427,000 | 10,991,000 |
| Allowance for loan losses | 249,000 | 253,000 | 204,000 | 241,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,730,000 | 3,186,000 | 3,225,000 | 3,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,943,000 | 21,457,000 | 19,660,000 | 20,175,000 |
| Interest-bearing deposits | 17,396,000 | 18,127,000 | 16,813,000 | 16,465,000 |
| Noninterest-bearing deposits | 3,547,000 | 3,330,000 | 2,847,000 | 3,710,000 |
| Equity capital | 1,794,000 | 1,828,000 | 1,859,000 | 1,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 186,000 | 367,000 | 567,000 | 754,000 |
| Interest expense | 54,000 | 104,000 | 147,000 | 184,000 |
| Net interest income | 132,000 | 263,000 | 420,000 | 570,000 |
| Noninterest income | 17,000 | 36,000 | 52,000 | 68,000 |
| Noninterest expense | 145,000 | 259,000 | 395,000 | 530,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 4,000 | 40,000 | 77,000 | 73,000 |
| Income tax | 2,000 | 4,000 | 10,000 | 8,000 |
| Net income | 2,000 | 36,000 | 67,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,794,000 | 1,828,000 | 1,859,000 | 1,857,000 |
| Total capital | 1,950,000 | 1,995,000 | 2,032,000 | 2,025,000 |
| Risk-weighted assets | 12,378,000 | 13,282,000 | 13,815,000 | 13,366,000 |