Call reports 2003
NODAWAY VALLEY BANK, THE — 2003
What NODAWAY VALLEY BANK, THE 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 | 545,120,000 | 542,313,000 | 537,896,000 | 541,005,000 |
| Total loans | 344,877,000 | 354,479,000 | 365,278,000 | 372,396,000 |
| Allowance for loan losses | 4,160,000 | 4,103,000 | 4,108,000 | 3,943,000 |
| Securities available for sale | 109,880,000 | 107,399,000 | 102,346,000 | 102,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,268,000 | 451,920,000 | 446,779,000 | 448,943,000 |
| Interest-bearing deposits | 397,964,000 | 393,947,000 | 387,570,000 | 383,714,000 |
| Noninterest-bearing deposits | 59,304,000 | 57,973,000 | 59,209,000 | 65,229,000 |
| Equity capital | 60,449,000 | 62,495,000 | 62,372,000 | 64,053,000 |
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 | 6,382,000 | 13,177,000 | 19,805,000 | 26,475,000 |
| Interest expense | 2,612,000 | 5,231,000 | 7,687,000 | 9,979,000 |
| Net interest income | 3,770,000 | 7,946,000 | 12,118,000 | 16,496,000 |
| Noninterest income | 800,000 | 1,712,000 | 2,633,000 | 3,637,000 |
| Noninterest expense | 3,046,000 | 6,155,000 | 9,441,000 | 12,672,000 |
| Provision for loan losses | 3,000 | 7,000 | 15,000 | 29,000 |
| Pretax income | 1,519,000 | 3,494,000 | 5,403,000 | 7,552,000 |
| Income tax | -2,000 | 2,000 | 5,000 | 8,000 |
| Net income | 1,521,000 | 3,492,000 | 5,398,000 | 7,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,707,000 | 42,423,000 | 43,889,000 | 45,567,000 |
| Total capital | 44,867,000 | 46,526,000 | 47,997,000 | 49,510,000 |
| Risk-weighted assets | 403,700,000 | 423,624,000 | 409,561,000 | 416,270,000 |