Call reports 2005
NVE BANK — 2005
What NVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 612,399,000 | 595,890,000 | 594,472,000 | 586,547,000 |
| Total loans | 245,088,000 | 252,169,000 | 254,137,000 | 262,267,000 |
| Allowance for loan losses | 2,733,000 | 2,733,000 | 2,732,000 | 2,726,000 |
| Securities available for sale | 104,022,000 | 97,377,000 | 94,781,000 | 87,938,000 |
| Securities held to maturity | 203,386,000 | 193,079,000 | 186,026,000 | 176,220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,841,000 | 479,629,000 | 464,390,000 | 465,726,000 |
| Interest-bearing deposits | 423,161,000 | 412,433,000 | 399,998,000 | 401,555,000 |
| Noninterest-bearing deposits | 68,680,000 | 67,196,000 | 64,392,000 | 64,171,000 |
| Equity capital | 69,239,000 | 70,613,000 | 70,887,000 | 71,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,601,000 | 13,231,000 | 19,871,000 | 26,601,000 |
| Interest expense | 2,115,000 | 4,236,000 | 6,446,000 | 8,767,000 |
| Net interest income | 4,486,000 | 8,995,000 | 13,425,000 | 17,834,000 |
| Noninterest income | 507,000 | 1,052,000 | 1,533,000 | 2,025,000 |
| Noninterest expense | 3,667,000 | 7,368,000 | 11,023,000 | 14,819,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,326,000 | 2,679,000 | 3,935,000 | 5,040,000 |
| Income tax | 393,000 | 799,000 | 1,169,000 | 1,604,000 |
| Net income | 933,000 | 1,880,000 | 2,766,000 | 3,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,119,000 | 69,066,000 | 69,952,000 | 70,621,000 |
| Total capital | 72,217,000 | 73,209,000 | 73,901,000 | 74,760,000 |
| Risk-weighted assets | 283,812,000 | 284,119,000 | 286,928,000 | 288,794,000 |