Call reports 2003
NINNESCAH VALLEY BANK — 2003
What NINNESCAH VALLEY 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 | 21,054,000 | 20,635,000 | 20,706,000 | 20,219,000 |
| Total loans | 9,948,000 | 10,065,000 | 9,723,000 | 9,725,000 |
| Allowance for loan losses | 157,000 | 157,000 | 159,000 | 151,000 |
| Securities available for sale | 7,622,000 | 8,368,000 | 8,726,000 | 8,533,000 |
| Securities held to maturity | 59,000 | 56,000 | 49,000 | 39,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,673,000 | 17,132,000 | 17,367,000 | 16,808,000 |
| Interest-bearing deposits | 12,997,000 | 12,629,000 | 12,664,000 | 11,862,000 |
| Noninterest-bearing deposits | 4,676,000 | 4,503,000 | 4,703,000 | 4,946,000 |
| Equity capital | 2,193,000 | 2,297,000 | 2,112,000 | 2,089,000 |
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 | 304,000 | 602,000 | 873,000 | 1,138,000 |
| Interest expense | 80,000 | 155,000 | 224,000 | 284,000 |
| Net interest income | 224,000 | 447,000 | 649,000 | 854,000 |
| Noninterest income | 21,000 | 49,000 | 76,000 | 104,000 |
| Noninterest expense | 188,000 | 375,000 | 569,000 | 753,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 4,000 |
| Pretax income | 55,000 | 118,000 | 152,000 | 201,000 |
| Income tax | 1,000 | 4,000 | 6,000 | 8,000 |
| Net income | 54,000 | 114,000 | 146,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,120,000 | 2,179,000 | 2,111,000 | 2,073,000 |
| Total capital | 2,270,000 | 2,326,000 | 2,252,000 | 2,210,000 |
| Risk-weighted assets | 12,012,000 | 11,725,000 | 11,263,000 | 10,980,000 |