Call reports 2010
NINNESCAH VALLEY BANK — 2010
What NINNESCAH VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 26,881,000 | 27,539,000 | 27,251,000 | 27,251,000 |
| Total loans | 10,419,000 | 10,356,000 | 9,748,000 | 10,774,000 |
| Allowance for loan losses | 122,000 | 122,000 | 109,000 | 112,000 |
| Securities available for sale | 13,158,000 | 13,466,000 | 14,489,000 | 13,322,000 |
| Securities held to maturity | 50,000 | 50,000 | 50,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,447,000 | 23,709,000 | 23,312,000 | 23,382,000 |
| Interest-bearing deposits | 14,961,000 | 8,980,000 | 14,886,000 | 15,254,000 |
| Noninterest-bearing deposits | 8,486,000 | 14,730,000 | 8,426,000 | 8,128,000 |
| Equity capital | 2,554,000 | 2,927,000 | 3,007,000 | 2,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 641,000 | 953,000 | 1,260,000 |
| Interest expense | 54,000 | 101,000 | 147,000 | 192,000 |
| Net interest income | 259,000 | 540,000 | 806,000 | 1,068,000 |
| Noninterest income | 20,000 | 51,000 | 80,000 | 108,000 |
| Noninterest expense | 222,000 | 437,000 | 653,000 | 873,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 57,000 | 154,000 | 233,000 | 300,000 |
| Income tax | 1,000 | 6,000 | 9,000 | 11,000 |
| Net income | 56,000 | 148,000 | 224,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,407,000 | 2,500,000 | 2,541,000 | 2,540,000 |
| Total capital | 2,529,000 | 2,622,000 | 2,650,000 | 2,652,000 |
| Risk-weighted assets | 13,724,000 | 13,606,000 | 13,086,000 | 13,905,000 |