Call reports 2005
NVB BUSINESS BANK — 2005
What NVB BUSINESS BANK 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 | 137,348,000 | 144,770,000 | 153,431,000 | 163,991,000 |
| Total loans | 90,244,000 | 96,890,000 | 103,078,000 | 113,923,000 |
| Allowance for loan losses | 996,000 | 996,000 | 1,143,000 | 1,344,000 |
| Securities available for sale | 21,402,000 | 20,897,000 | 19,553,000 | 18,406,000 |
| Securities held to maturity | 132,000 | 126,000 | 126,000 | 91,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,954,000 | 96,391,000 | 103,122,000 | 113,667,000 |
| Interest-bearing deposits | 71,813,000 | 68,262,000 | 75,731,000 | 81,015,000 |
| Noninterest-bearing deposits | 21,141,000 | 28,129,000 | 27,390,000 | 32,652,000 |
| Equity capital | 26,179,000 | 26,057,000 | 27,443,000 | 30,237,000 |
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 | 1,826,000 | 3,780,000 | 5,801,000 | 8,121,000 |
| Interest expense | 386,000 | 876,000 | 1,458,000 | 2,137,000 |
| Net interest income | 1,440,000 | 2,904,000 | 4,343,000 | 5,984,000 |
| Noninterest income | 79,000 | 140,000 | 218,000 | 298,000 |
| Noninterest expense | 1,638,000 | 3,588,000 | 5,296,000 | 7,157,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 300,000 |
| Pretax income | -119,000 | -544,000 | -835,000 | -1,175,000 |
| Income tax | -67,000 | -262,000 | -391,000 | -550,000 |
| Net income | -52,000 | -282,000 | -444,000 | -625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,417,000 | 9,221,000 | 10,697,000 | 14,010,000 |
| Total capital | 10,507,000 | 10,311,000 | 11,840,000 | 15,354,000 |
| Risk-weighted assets | 103,025,000 | 115,643,000 | 122,524,000 | 139,312,000 |