Call reports 2013
NORTH LOUP VALLEY BANK — 2013
What NORTH LOUP VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 23,108,000 | 21,084,000 | 20,976,000 | 20,318,000 |
| Total loans | 10,003,000 | 10,524,000 | 11,298,000 | 10,968,000 |
| Allowance for loan losses | 242,000 | 246,000 | 244,000 | 221,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,418,000 | 3,752,000 | 3,173,000 | 3,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,137,000 | 19,077,000 | 18,514,000 | 17,866,000 |
| Interest-bearing deposits | 17,593,000 | 15,533,000 | 15,110,000 | 14,632,000 |
| Noninterest-bearing deposits | 3,544,000 | 3,544,000 | 3,404,000 | 3,234,000 |
| Equity capital | 1,879,000 | 1,910,000 | 1,977,000 | 1,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 167,000 | 340,000 | 516,000 | 692,000 |
| Interest expense | 29,000 | 55,000 | 76,000 | 97,000 |
| Net interest income | 138,000 | 285,000 | 440,000 | 595,000 |
| Noninterest income | 18,000 | 40,000 | 63,000 | 82,000 |
| Noninterest expense | 128,000 | 251,000 | 382,000 | 575,000 |
| Provision for loan losses | 0 | 0 | 175,000 | 175,000 |
| Pretax income | 28,000 | 74,000 | -54,000 | -73,000 |
| Income tax | 6,000 | 21,000 | 27,000 | -12,000 |
| Net income | 22,000 | 53,000 | -81,000 | -61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,879,000 | 1,910,000 | 1,977,000 | 1,997,000 |
| Total capital | 2,039,000 | 2,074,000 | 2,149,000 | 2,162,000 |
| Risk-weighted assets | 12,723,000 | 13,059,000 | 13,667,000 | 13,153,000 |