Call reports 2002
NINNESCAH VALLEY BANK — 2002
What NINNESCAH VALLEY 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 | 19,281,000 | 19,944,000 | 20,729,000 | 20,029,000 |
| Total loans | 10,090,000 | 10,113,000 | 9,777,000 | 9,973,000 |
| Allowance for loan losses | 149,000 | 152,000 | 154,000 | 155,000 |
| Securities available for sale | 6,842,000 | 7,482,000 | 7,273,000 | 7,817,000 |
| Securities held to maturity | 619,000 | 377,000 | 331,000 | 74,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,433,000 | 16,001,000 | 17,208,000 | 16,598,000 |
| Interest-bearing deposits | 12,066,000 | 11,678,000 | 12,207,000 | 12,191,000 |
| Noninterest-bearing deposits | 4,367,000 | 4,323,000 | 5,001,000 | 4,407,000 |
| Equity capital | 2,136,000 | 2,325,000 | 2,267,000 | 2,219,000 |
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 | 336,000 | 682,000 | 1,011,000 | 1,325,000 |
| Interest expense | 101,000 | 196,000 | 284,000 | 371,000 |
| Net interest income | 235,000 | 486,000 | 727,000 | 954,000 |
| Noninterest income | 20,000 | 43,000 | 67,000 | 88,000 |
| Noninterest expense | 185,000 | 361,000 | 549,000 | 737,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 68,000 | 177,000 | 252,000 | 311,000 |
| Income tax | 2,000 | 7,000 | 9,000 | 12,000 |
| Net income | 66,000 | 170,000 | 243,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,108,000 | 2,212,000 | 2,134,000 | 2,065,000 |
| Total capital | 2,254,000 | 2,358,000 | 2,279,000 | 2,212,000 |
| Risk-weighted assets | 11,664,000 | 11,688,000 | 11,560,000 | 11,741,000 |