Call reports 2003
NVB BUSINESS BANK — 2003
What NVB BUSINESS BANK 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 | 82,363,000 | 87,553,000 | 90,174,000 | 101,601,000 |
| Total loans | 65,534,000 | 66,259,000 | 65,852,000 | 68,647,000 |
| Allowance for loan losses | 870,000 | 905,000 | 851,000 | 832,000 |
| Securities available for sale | 8,679,000 | 8,520,000 | 13,882,000 | 25,030,000 |
| Securities held to maturity | 461,000 | 392,000 | 268,000 | 237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,372,000 | 78,891,000 | 81,360,000 | 89,284,000 |
| Interest-bearing deposits | 59,598,000 | 62,214,000 | 63,581,000 | 69,134,000 |
| Noninterest-bearing deposits | 15,774,000 | 16,677,000 | 17,779,000 | 20,150,000 |
| Equity capital | 6,545,000 | 8,290,000 | 8,365,000 | 8,783,000 |
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 | 1,304,000 | 2,657,000 | 4,018,000 | 5,379,000 |
| Interest expense | 299,000 | 578,000 | 838,000 | 1,092,000 |
| Net interest income | 1,005,000 | 2,079,000 | 3,180,000 | 4,287,000 |
| Noninterest income | 208,000 | 401,000 | 562,000 | 786,000 |
| Noninterest expense | 856,000 | 1,807,000 | 2,890,000 | 3,843,000 |
| Provision for loan losses | 45,000 | 80,000 | 26,000 | 7,000 |
| Pretax income | 312,000 | 593,000 | 826,000 | 1,223,000 |
| Income tax | 12,000 | 25,000 | 32,000 | 46,000 |
| Net income | 300,000 | 568,000 | 794,000 | 1,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,448,000 | 8,148,000 | 8,374,000 | 8,772,000 |
| Total capital | 7,314,000 | 9,024,000 | 9,289,000 | 9,687,000 |
| Risk-weighted assets | 69,296,000 | 70,070,000 | 73,282,000 | 79,412,000 |