Call reports 2007
NODAWAY VALLEY BANK, THE — 2007
What NODAWAY VALLEY BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 573,430,000 | 593,021,000 | 604,049,000 | 621,847,000 |
| Total loans | 417,795,000 | 442,517,000 | 460,354,000 | 472,123,000 |
| Allowance for loan losses | 3,786,000 | 4,038,000 | 4,056,000 | 3,825,000 |
| Securities available for sale | 85,219,000 | 84,813,000 | 83,898,000 | 82,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 487,202,000 | 506,899,000 | 509,512,000 | 523,089,000 |
| Interest-bearing deposits | 410,071,000 | 425,002,000 | 432,140,000 | 445,100,000 |
| Noninterest-bearing deposits | 77,131,000 | 81,897,000 | 77,372,000 | 77,989,000 |
| Equity capital | 59,852,000 | 63,238,000 | 65,986,000 | 68,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,773,000 | 18,207,000 | 27,850,000 | 37,750,000 |
| Interest expense | 3,929,000 | 8,088,000 | 12,477,000 | 17,034,000 |
| Net interest income | 4,844,000 | 10,119,000 | 15,373,000 | 20,716,000 |
| Noninterest income | 1,331,000 | 2,781,000 | 4,254,000 | 5,855,000 |
| Noninterest expense | 4,065,000 | 8,032,000 | 12,049,000 | 16,357,000 |
| Provision for loan losses | 57,000 | 114,000 | 181,000 | 261,000 |
| Pretax income | 2,053,000 | 4,754,000 | 7,398,000 | 9,960,000 |
| Income tax | 73,000 | 102,000 | 134,000 | 165,000 |
| Net income | 1,980,000 | 4,652,000 | 7,264,000 | 9,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,443,000 | 46,638,000 | 48,413,000 | 49,904,000 |
| Total capital | 47,229,000 | 50,676,000 | 52,469,000 | 53,729,000 |
| Risk-weighted assets | 452,280,000 | 473,734,000 | 490,851,000 | 508,921,000 |