Call reports 2005
NINNESCAH VALLEY BANK — 2005
What NINNESCAH VALLEY 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 | 20,210,000 | 19,712,000 | 20,242,000 | 19,223,000 |
| Total loans | 11,084,000 | 11,600,000 | 11,299,000 | 11,461,000 |
| Allowance for loan losses | 142,000 | 144,000 | 147,000 | 147,000 |
| Securities available for sale | 6,978,000 | 5,396,000 | 5,380,000 | 5,109,000 |
| Securities held to maturity | 133,000 | 133,000 | 133,000 | 125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,515,000 | 16,298,000 | 16,899,000 | 16,071,000 |
| Interest-bearing deposits | 11,317,000 | 11,085,000 | 11,115,000 | 10,561,000 |
| Noninterest-bearing deposits | 5,198,000 | 5,213,000 | 5,784,000 | 5,510,000 |
| Equity capital | 2,013,000 | 2,213,000 | 2,123,000 | 2,010,000 |
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 | 284,000 | 599,000 | 918,000 | 1,239,000 |
| Interest expense | 53,000 | 111,000 | 171,000 | 233,000 |
| Net interest income | 231,000 | 488,000 | 747,000 | 1,006,000 |
| Noninterest income | 19,000 | 49,000 | 69,000 | 90,000 |
| Noninterest expense | 184,000 | 378,000 | 568,000 | 769,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 63,000 | 166,000 | 239,000 | 315,000 |
| Income tax | 2,000 | 6,000 | 9,000 | 13,000 |
| Net income | 61,000 | 160,000 | 230,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,156,000 | 2,255,000 | 2,200,000 | 2,123,000 |
| Total capital | 2,298,000 | 2,399,000 | 2,347,000 | 2,270,000 |
| Risk-weighted assets | 11,879,000 | 12,508,000 | 12,303,000 | 12,209,000 |