Call reports 2009
NVE BANK — 2009
What NVE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 617,982,000 | 642,238,000 | 650,448,000 | 648,155,000 |
| Total loans | 292,772,000 | 301,623,000 | 291,181,000 | 292,323,000 |
| Allowance for loan losses | 2,797,000 | 3,573,000 | 3,421,000 | 4,023,000 |
| Securities available for sale | 79,154,000 | 82,498,000 | 89,813,000 | 77,355,000 |
| Securities held to maturity | 143,889,000 | 155,359,000 | 153,367,000 | 150,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,024,000 | 490,588,000 | 499,038,000 | 500,361,000 |
| Interest-bearing deposits | 406,898,000 | 427,874,000 | 436,852,000 | 433,177,000 |
| Noninterest-bearing deposits | 59,126,000 | 62,714,000 | 62,186,000 | 67,184,000 |
| Equity capital | 79,336,000 | 78,659,000 | 78,939,000 | 78,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,828,000 | 13,521,000 | 20,349,000 | 26,733,000 |
| Interest expense | 2,991,000 | 5,963,000 | 8,748,000 | 11,242,000 |
| Net interest income | 3,837,000 | 7,558,000 | 11,601,000 | 15,491,000 |
| Noninterest income | 476,000 | 974,000 | 1,467,000 | 1,970,000 |
| Noninterest expense | 3,681,000 | 7,816,000 | 12,700,000 | 16,706,000 |
| Provision for loan losses | 89,000 | 865,000 | 946,000 | 1,598,000 |
| Pretax income | 543,000 | -149,000 | -578,000 | 673,000 |
| Income tax | 148,000 | -127,000 | -310,000 | -115,000 |
| Net income | 395,000 | -22,000 | -268,000 | 788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,087,000 | 76,663,000 | 76,410,000 | 77,466,000 |
| Total capital | 79,884,000 | 80,236,000 | 79,849,000 | 81,500,000 |
| Risk-weighted assets | 311,548,000 | 322,983,000 | 318,568,000 | 323,904,000 |