Call reports 2005
NODAWAY VALLEY BANK, THE — 2005
What NODAWAY VALLEY BANK, THE 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 | 541,167,000 | 538,620,000 | 539,096,000 | 546,706,000 |
| Total loans | 397,584,000 | 393,347,000 | 402,279,000 | 397,508,000 |
| Allowance for loan losses | 3,795,000 | 3,791,000 | 3,816,000 | 3,759,000 |
| Securities available for sale | 76,794,000 | 79,217,000 | 77,262,000 | 81,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,793,000 | 446,929,000 | 440,226,000 | 445,517,000 |
| Interest-bearing deposits | 383,671,000 | 377,661,000 | 370,826,000 | 371,011,000 |
| Noninterest-bearing deposits | 66,122,000 | 69,268,000 | 69,400,000 | 74,506,000 |
| Equity capital | 57,615,000 | 60,020,000 | 61,249,000 | 62,019,000 |
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 | 6,800,000 | 13,834,000 | 20,981,000 | 28,427,000 |
| Interest expense | 2,390,000 | 4,891,000 | 7,535,000 | 10,376,000 |
| Net interest income | 4,410,000 | 8,943,000 | 13,446,000 | 18,051,000 |
| Noninterest income | 995,000 | 2,117,000 | 3,192,000 | 4,607,000 |
| Noninterest expense | 3,422,000 | 7,025,000 | 10,420,000 | 14,056,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | 51,000 |
| Pretax income | 1,972,000 | 4,014,000 | 6,188,000 | 8,553,000 |
| Income tax | -8,000 | -4,000 | 1,000 | 0 |
| Net income | 1,980,000 | 4,018,000 | 6,187,000 | 8,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,991,000 | 42,668,000 | 44,274,000 | 46,058,000 |
| Total capital | 44,786,000 | 46,459,000 | 48,090,000 | 49,817,000 |
| Risk-weighted assets | 434,197,000 | 398,054,000 | 436,894,000 | 436,132,000 |