Call reports 2003
NVE BANK — 2003
What NVE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 586,196,000 | 610,519,000 | 627,694,000 | 620,153,000 |
| Total loans | 288,632,000 | 273,979,000 | 265,257,000 | 265,672,000 |
| Allowance for loan losses | 2,746,000 | 2,742,000 | 2,742,000 | 2,739,000 |
| Securities available for sale | 89,612,000 | 104,963,000 | 98,500,000 | 94,855,000 |
| Securities held to maturity | 128,331,000 | 156,138,000 | 183,452,000 | 189,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,166,000 | 509,161,000 | 505,283,000 | 501,769,000 |
| Interest-bearing deposits | 454,818,000 | 453,431,000 | 447,501,000 | 439,459,000 |
| Noninterest-bearing deposits | 56,348,000 | 55,730,000 | 57,782,000 | 62,310,000 |
| Equity capital | 63,063,000 | 64,062,000 | 63,983,000 | 65,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,785,000 | 13,418,000 | 19,495,000 | 25,939,000 |
| Interest expense | 2,373,000 | 4,543,000 | 6,702,000 | 8,907,000 |
| Net interest income | 4,412,000 | 8,875,000 | 12,793,000 | 17,032,000 |
| Noninterest income | 504,000 | 1,026,000 | 1,568,000 | 2,447,000 |
| Noninterest expense | 3,318,000 | 6,664,000 | 10,090,000 | 13,728,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,598,000 | 3,237,000 | 4,271,000 | 5,751,000 |
| Income tax | 554,000 | 1,122,000 | 1,437,000 | 1,788,000 |
| Net income | 1,044,000 | 2,115,000 | 2,834,000 | 3,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,818,000 | 61,889,000 | 62,608,000 | 63,738,000 |
| Total capital | 64,708,000 | 65,724,000 | 66,477,000 | 67,735,000 |
| Risk-weighted assets | 273,776,000 | 277,621,000 | 284,754,000 | 284,545,000 |