Call reports 2002
NVB BUSINESS BANK — 2002
What NVB BUSINESS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 69,618,000 | 73,911,000 | 77,887,000 | 80,777,000 |
| Total loans | 61,017,000 | 62,642,000 | 61,122,000 | 64,778,000 |
| Allowance for loan losses | 580,000 | 645,000 | 735,000 | 825,000 |
| Securities available for sale | 2,042,000 | 3,082,000 | 4,639,000 | 7,206,000 |
| Securities held to maturity | 0 | 0 | 530,000 | 504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,735,000 | 67,868,000 | 71,502,000 | 74,123,000 |
| Interest-bearing deposits | 49,924,000 | 55,359,000 | 57,526,000 | 60,058,000 |
| Noninterest-bearing deposits | 13,811,000 | 12,509,000 | 13,976,000 | 14,065,000 |
| Equity capital | 5,380,000 | 5,634,000 | 5,949,000 | 6,252,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,367,000 | 3,668,000 | 5,002,000 |
| Interest expense | 328,000 | 677,000 | 1,034,000 | 1,373,000 |
| Net interest income | 804,000 | 1,690,000 | 2,634,000 | 3,629,000 |
| Noninterest income | 122,000 | 232,000 | 404,000 | 602,000 |
| Noninterest expense | 711,000 | 1,393,000 | 2,162,000 | 2,986,000 |
| Provision for loan losses | 50,000 | 115,000 | 205,000 | 295,000 |
| Pretax income | 165,000 | 414,000 | 671,000 | 950,000 |
| Income tax | 6,000 | 13,000 | 22,000 | 16,000 |
| Net income | 159,000 | 401,000 | 649,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,373,000 | 5,615,000 | 5,863,000 | 6,148,000 |
| Total capital | 5,953,000 | 6,260,000 | 6,598,000 | 6,973,000 |
| Risk-weighted assets | 66,768,000 | 69,342,000 | 64,967,000 | 68,045,000 |