Call reports 2004
NODAWAY VALLEY BANK, THE — 2004
What NODAWAY VALLEY BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 538,804,000 | 535,675,000 | 541,606,000 | 549,832,000 |
| Total loans | 375,324,000 | 393,717,000 | 398,684,000 | 398,902,000 |
| Allowance for loan losses | 3,916,000 | 3,868,000 | 3,864,000 | 3,778,000 |
| Securities available for sale | 91,335,000 | 80,462,000 | 79,763,000 | 80,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,287,000 | 443,182,000 | 445,212,000 | 450,172,000 |
| Interest-bearing deposits | 385,790,000 | 380,234,000 | 382,261,000 | 383,190,000 |
| Noninterest-bearing deposits | 60,497,000 | 62,948,000 | 62,951,000 | 66,982,000 |
| Equity capital | 61,188,000 | 60,508,000 | 63,550,000 | 64,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,507,000 | 13,056,000 | 19,795,000 | 26,657,000 |
| Interest expense | 2,200,000 | 4,382,000 | 6,629,000 | 8,957,000 |
| Net interest income | 4,307,000 | 8,674,000 | 13,166,000 | 17,700,000 |
| Noninterest income | 929,000 | 1,882,000 | 2,836,000 | 3,894,000 |
| Noninterest expense | 3,365,000 | 6,455,000 | 9,797,000 | 13,272,000 |
| Provision for loan losses | 7,000 | 15,000 | 27,000 | 52,000 |
| Pretax income | 1,885,000 | 4,113,000 | 6,214,000 | 7,939,000 |
| Income tax | 9,000 | 13,000 | 13,000 | 13,000 |
| Net income | 1,876,000 | 4,100,000 | 6,201,000 | 7,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,362,000 | 43,929,000 | 45,399,000 | 46,927,000 |
| Total capital | 46,278,000 | 47,797,000 | 49,263,000 | 50,705,000 |
| Risk-weighted assets | 415,637,000 | 426,849,000 | 433,148,000 | 436,177,000 |