Call reports 2006
NINNESCAH VALLEY BANK — 2006
What NINNESCAH VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 19,877,000 | 20,033,000 | 20,679,000 | 21,036,000 |
| Total loans | 10,938,000 | 11,327,000 | 11,258,000 | 10,906,000 |
| Allowance for loan losses | 147,000 | 149,000 | 137,000 | 137,000 |
| Securities available for sale | 5,877,000 | 6,083,000 | 7,000,000 | 7,312,000 |
| Securities held to maturity | 125,000 | 125,000 | 124,000 | 116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,946,000 | 16,870,000 | 16,623,000 | 17,692,000 |
| Interest-bearing deposits | 11,181,000 | 11,412,000 | 11,274,000 | 10,981,000 |
| Noninterest-bearing deposits | 5,765,000 | 5,458,000 | 5,349,000 | 6,711,000 |
| Equity capital | 2,053,000 | 2,057,000 | 2,107,000 | 2,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 320,000 | 649,000 | 994,000 | 1,350,000 |
| Interest expense | 69,000 | 145,000 | 236,000 | 329,000 |
| Net interest income | 251,000 | 504,000 | 758,000 | 1,021,000 |
| Noninterest income | 21,000 | 47,000 | 67,000 | 84,000 |
| Noninterest expense | 198,000 | 395,000 | 603,000 | 816,000 |
| Provision for loan losses | 3,000 | 6,000 | 7,000 | 7,000 |
| Pretax income | 71,000 | 150,000 | 215,000 | 282,000 |
| Income tax | 2,000 | 6,000 | 8,000 | 11,000 |
| Net income | 69,000 | 144,000 | 207,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,191,000 | 2,267,000 | 2,205,000 | 2,144,000 |
| Total capital | 2,338,000 | 2,416,000 | 2,342,000 | 2,281,000 |
| Risk-weighted assets | 12,033,000 | 12,297,000 | 12,883,000 | 12,803,000 |