Call reports 2009
NINNESCAH VALLEY BANK — 2009
What NINNESCAH VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 25,288,000 | 25,076,000 | 25,391,000 | 25,567,000 |
| Total loans | 11,247,000 | 11,269,000 | 10,298,000 | 10,480,000 |
| Allowance for loan losses | 121,000 | 118,000 | 122,000 | 122,000 |
| Securities available for sale | 10,722,000 | 10,741,000 | 11,253,000 | 11,717,000 |
| Securities held to maturity | 103,000 | 102,000 | 102,000 | 51,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,909,000 | 21,697,000 | 21,792,000 | 22,093,000 |
| Interest-bearing deposits | 14,630,000 | 14,532,000 | 14,675,000 | 14,279,000 |
| Noninterest-bearing deposits | 7,279,000 | 7,166,000 | 7,117,000 | 7,813,000 |
| Equity capital | 2,471,000 | 2,447,000 | 2,648,000 | 2,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 340,000 | 689,000 | 1,009,000 | 1,325,000 |
| Interest expense | 73,000 | 141,000 | 204,000 | 264,000 |
| Net interest income | 267,000 | 548,000 | 805,000 | 1,061,000 |
| Noninterest income | 25,000 | 49,000 | 80,000 | 100,000 |
| Noninterest expense | 226,000 | 446,000 | 663,000 | 895,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 66,000 | 151,000 | 217,000 | 261,000 |
| Income tax | 2,000 | 6,000 | 8,000 | 10,000 |
| Net income | 64,000 | 145,000 | 209,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,216,000 | 2,296,000 | 2,335,000 | 2,352,000 |
| Total capital | 2,337,000 | 2,414,000 | 2,457,000 | 2,474,000 |
| Risk-weighted assets | 14,171,000 | 13,798,000 | 13,098,000 | 13,614,000 |