Call reports 2008
NINNESCAH VALLEY BANK — 2008
What NINNESCAH VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 22,397,000 | 22,445,000 | 22,566,000 | 24,373,000 |
| Total loans | 10,524,000 | 10,824,000 | 10,167,000 | 11,185,000 |
| Allowance for loan losses | 122,000 | 122,000 | 116,000 | 121,000 |
| Securities available for sale | 8,561,000 | 8,937,000 | 9,825,000 | 10,998,000 |
| Securities held to maturity | 109,000 | 108,000 | 108,000 | 103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,124,000 | 18,910,000 | 19,379,000 | 19,122,000 |
| Interest-bearing deposits | 12,894,000 | 12,631,000 | 13,146,000 | 12,765,000 |
| Noninterest-bearing deposits | 6,230,000 | 6,279,000 | 6,233,000 | 6,358,000 |
| Equity capital | 2,333,000 | 2,176,000 | 2,210,000 | 2,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 359,000 | 707,000 | 1,046,000 | 1,397,000 |
| Interest expense | 101,000 | 192,000 | 275,000 | 340,000 |
| Net interest income | 258,000 | 515,000 | 771,000 | 1,057,000 |
| Noninterest income | 23,000 | 51,000 | 76,000 | 115,000 |
| Noninterest expense | 220,000 | 434,000 | 647,000 | 866,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 7,000 |
| Pretax income | 61,000 | 132,000 | 198,000 | 299,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 11,000 |
| Net income | 59,000 | 127,000 | 190,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,182,000 | 2,251,000 | 2,213,000 | 2,151,000 |
| Total capital | 2,304,000 | 2,373,000 | 2,329,000 | 2,272,000 |
| Risk-weighted assets | 12,885,000 | 13,015,000 | 12,753,000 | 13,489,000 |