Call reports 2016
NVE BANK — 2016
What NVE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 674,567,000 | 677,793,000 | 676,245,000 | 674,829,000 |
| Total loans | 461,874,000 | 473,609,000 | 472,176,000 | 473,158,000 |
| Allowance for loan losses | 2,078,000 | 2,075,000 | 2,073,000 | 1,874,000 |
| Securities available for sale | 5,795,000 | 5,372,000 | 5,003,000 | 6,276,000 |
| Securities held to maturity | 123,452,000 | 121,365,000 | 124,392,000 | 123,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,009,000 | 528,180,000 | 527,267,000 | 522,140,000 |
| Interest-bearing deposits | 425,713,000 | 422,606,000 | 421,644,000 | 415,470,000 |
| Noninterest-bearing deposits | 100,296,000 | 105,574,000 | 105,623,000 | 106,670,000 |
| Equity capital | 93,794,000 | 94,522,000 | 95,234,000 | 96,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,522,000 | 11,232,000 | 17,022,000 | 22,556,000 |
| Interest expense | 951,000 | 1,930,000 | 2,919,000 | 3,664,000 |
| Net interest income | 4,571,000 | 9,302,000 | 14,103,000 | 18,892,000 |
| Noninterest income | 442,000 | 903,000 | 1,345,000 | 1,791,000 |
| Noninterest expense | 3,841,000 | 7,802,000 | 11,913,000 | 15,598,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,172,000 | 2,403,000 | 3,535,000 | 5,085,000 |
| Income tax | 397,000 | 818,000 | 1,199,000 | 1,745,000 |
| Net income | 775,000 | 1,585,000 | 2,336,000 | 3,340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,385,000 | 94,190,000 | 94,845,000 | 95,921,000 |
| Total capital | 95,463,000 | 96,265,000 | 96,918,000 | 97,795,000 |
| Risk-weighted assets | 412,066,000 | 435,753,000 | 427,602,000 | 426,583,000 |