Call reports 2015
NINNESCAH VALLEY BANK — 2015
What NINNESCAH VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 35,244,000 | 34,317,000 | 33,764,000 | 34,431,000 |
| Total loans | 13,387,000 | 13,597,000 | 13,941,000 | 13,461,000 |
| Allowance for loan losses | 114,000 | 114,000 | 118,000 | 119,000 |
| Securities available for sale | 19,902,000 | 18,327,000 | 17,734,000 | 18,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,953,000 | 29,762,000 | 29,389,000 | 30,298,000 |
| Interest-bearing deposits | 18,273,000 | 18,121,000 | 17,708,000 | 17,490,000 |
| Noninterest-bearing deposits | 11,680,000 | 11,642,000 | 11,681,000 | 12,808,000 |
| Equity capital | 3,573,000 | 3,446,000 | 3,659,000 | 3,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 313,000 | 629,000 | 941,000 | 1,265,000 |
| Interest expense | 15,000 | 32,000 | 48,000 | 62,000 |
| Net interest income | 298,000 | 597,000 | 893,000 | 1,203,000 |
| Noninterest income | 22,000 | 60,000 | 92,000 | 124,000 |
| Noninterest expense | 228,000 | 452,000 | 672,000 | 919,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 87,000 | 213,000 | 330,000 | 425,000 |
| Income tax | 3,000 | 9,000 | 14,000 | 18,000 |
| Net income | 84,000 | 204,000 | 316,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,327,000 | 3,448,000 | 3,480,000 | 3,420,000 |
| Total capital | 3,441,000 | 3,562,000 | 3,598,000 | 3,539,000 |
| Risk-weighted assets | 18,382,000 | 18,801,000 | 18,713,000 | 18,799,000 |