Call reports 2004
NINNESCAH VALLEY BANK — 2004
What NINNESCAH VALLEY 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 | 21,053,000 | 20,364,000 | 19,524,000 | 20,492,000 |
| Total loans | 10,354,000 | 10,295,000 | 10,592,000 | 10,908,000 |
| Allowance for loan losses | 153,000 | 154,000 | 155,000 | 139,000 |
| Securities available for sale | 8,605,000 | 7,222,000 | 6,953,000 | 6,988,000 |
| Securities held to maturity | 35,000 | 35,000 | 34,000 | 136,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,644,000 | 17,163,000 | 15,959,000 | 16,383,000 |
| Interest-bearing deposits | 12,216,000 | 11,387,000 | 11,071,000 | 11,168,000 |
| Noninterest-bearing deposits | 5,428,000 | 5,776,000 | 4,888,000 | 5,215,000 |
| Equity capital | 2,214,000 | 2,015,000 | 2,099,000 | 2,058,000 |
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 | 261,000 | 553,000 | 828,000 | 1,101,000 |
| Interest expense | 55,000 | 109,000 | 160,000 | 212,000 |
| Net interest income | 206,000 | 444,000 | 668,000 | 889,000 |
| Noninterest income | 25,000 | 53,000 | 79,000 | 100,000 |
| Noninterest expense | 196,000 | 389,000 | 582,000 | 751,000 |
| Provision for loan losses | 2,000 | 3,000 | 4,000 | 7,000 |
| Pretax income | 33,000 | 105,000 | 161,000 | 231,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 9,000 |
| Net income | 32,000 | 102,000 | 155,000 | 222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,106,000 | 2,175,000 | 2,153,000 | 2,095,000 |
| Total capital | 2,252,000 | 2,320,000 | 2,297,000 | 2,234,000 |
| Risk-weighted assets | 11,692,000 | 11,578,000 | 11,490,000 | 11,870,000 |