Call reports 2004
NVB BUSINESS BANK — 2004
What NVB BUSINESS BANK 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 | 104,942,000 | 111,455,000 | 132,997,000 | 138,114,000 |
| Total loans | 69,064,000 | 78,957,000 | 85,602,000 | 92,122,000 |
| Allowance for loan losses | 844,000 | 834,000 | 955,000 | 1,031,000 |
| Securities available for sale | 24,557,000 | 23,549,000 | 23,223,000 | 21,833,000 |
| Securities held to maturity | 228,000 | 184,000 | 144,000 | 133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,156,000 | 90,452,000 | 94,326,000 | 100,609,000 |
| Interest-bearing deposits | 74,692,000 | 72,096,000 | 74,525,000 | 72,956,000 |
| Noninterest-bearing deposits | 20,464,000 | 18,356,000 | 19,801,000 | 27,654,000 |
| Equity capital | 9,387,000 | 8,491,000 | 23,760,000 | 26,369,000 |
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 | 1,387,000 | 2,802,000 | 520,000 | 2,235,000 |
| Interest expense | 229,000 | 467,000 | 102,000 | 392,000 |
| Net interest income | 1,158,000 | 2,335,000 | 418,000 | 1,843,000 |
| Noninterest income | 141,000 | 262,000 | 31,000 | 109,000 |
| Noninterest expense | 945,000 | 2,020,000 | 356,000 | 1,452,000 |
| Provision for loan losses | 0 | 20,000 | 16,000 | 130,000 |
| Pretax income | 354,000 | 557,000 | 77,000 | 370,000 |
| Income tax | 10,000 | 15,000 | 27,000 | 134,000 |
| Net income | 344,000 | 542,000 | 50,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,116,000 | 8,876,000 | 6,717,000 | 9,431,000 |
| Total capital | 10,031,000 | 9,811,000 | 7,752,000 | 10,521,000 |
| Risk-weighted assets | 76,146,000 | 86,776,000 | 96,514,000 | 101,346,000 |