Call reports 2014
NORTH LOUP VALLEY BANK — 2014
What NORTH LOUP VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 21,563,000 | 20,628,000 | 19,673,000 | 20,751,000 |
| Total loans | 9,515,000 | 9,955,000 | 9,022,000 | 9,634,000 |
| Allowance for loan losses | 220,000 | 227,000 | 295,000 | 295,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,375,000 | 3,379,000 | 3,315,000 | 2,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,490,000 | 18,560,000 | 17,597,000 | 18,684,000 |
| Interest-bearing deposits | 16,459,000 | 14,929,000 | 14,691,000 | 15,593,000 |
| Noninterest-bearing deposits | 3,031,000 | 3,631,000 | 2,906,000 | 3,091,000 |
| Equity capital | 2,009,000 | 2,001,000 | 2,000,000 | 1,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 150,000 | 282,000 | 420,000 | 553,000 |
| Interest expense | 18,000 | 35,000 | 51,000 | 68,000 |
| Net interest income | 132,000 | 247,000 | 369,000 | 485,000 |
| Noninterest income | 17,000 | 40,000 | 55,000 | 74,000 |
| Noninterest expense | 136,000 | 282,000 | 423,000 | 574,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 13,000 | 5,000 | 1,000 | -15,000 |
| Income tax | 1,000 | 1,000 | -2,000 | -6,000 |
| Net income | 12,000 | 4,000 | 3,000 | -9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,009,000 | 2,001,000 | 2,000,000 | 1,988,000 |
| Total capital | 2,166,000 | 2,170,000 | 2,159,000 | 2,153,000 |
| Risk-weighted assets | 12,531,000 | 13,449,000 | 12,592,000 | 13,098,000 |