Call reports 2007
NINNESCAH VALLEY BANK — 2007
What NINNESCAH VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 20,705,000 | 20,865,000 | 21,312,000 | 21,310,000 |
| Total loans | 10,546,000 | 11,319,000 | 11,020,000 | 10,840,000 |
| Allowance for loan losses | 137,000 | 137,000 | 138,000 | 138,000 |
| Securities available for sale | 7,164,000 | 7,241,000 | 7,497,000 | 8,300,000 |
| Securities held to maturity | 115,000 | 114,000 | 113,000 | 110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,672,000 | 17,399,000 | 18,183,000 | 17,976,000 |
| Interest-bearing deposits | 11,879,000 | 11,760,000 | 11,509,000 | 11,732,000 |
| Noninterest-bearing deposits | 5,793,000 | 5,639,000 | 6,674,000 | 6,244,000 |
| Equity capital | 2,133,000 | 2,132,000 | 2,176,000 | 2,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 715,000 | 1,079,000 | 1,449,000 |
| Interest expense | 95,000 | 195,000 | 299,000 | 399,000 |
| Net interest income | 256,000 | 520,000 | 780,000 | 1,050,000 |
| Noninterest income | 21,000 | 44,000 | 70,000 | 95,000 |
| Noninterest expense | 221,000 | 446,000 | 664,000 | 881,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 56,000 | 118,000 | 185,000 | 263,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 10,000 |
| Net income | 54,000 | 114,000 | 178,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,198,000 | 2,258,000 | 2,222,000 | 2,147,000 |
| Total capital | 2,335,000 | 2,395,000 | 2,360,000 | 2,285,000 |
| Risk-weighted assets | 12,582,000 | 12,873,000 | 12,985,000 | 12,625,000 |