Call reports 2016
NINNESCAH VALLEY BANK — 2016
What NINNESCAH VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 34,875,000 | 35,509,000 | 33,298,000 | 32,111,000 |
| Total loans | 14,147,000 | 13,978,000 | 13,394,000 | 11,902,000 |
| Allowance for loan losses | 119,000 | 127,000 | 137,000 | 138,000 |
| Securities available for sale | 18,486,000 | 18,847,000 | 17,808,000 | 17,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,738,000 | 30,398,000 | 28,900,000 | 27,900,000 |
| Interest-bearing deposits | 18,203,000 | 17,343,000 | 18,355,000 | 16,956,000 |
| Noninterest-bearing deposits | 12,534,000 | 13,055,000 | 10,545,000 | 10,944,000 |
| Equity capital | 3,765,000 | 4,069,000 | 4,022,000 | 3,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 668,000 | 991,000 | 1,292,000 |
| Interest expense | 15,000 | 32,000 | 46,000 | 60,000 |
| Net interest income | 313,000 | 636,000 | 945,000 | 1,232,000 |
| Noninterest income | 25,000 | 61,000 | 92,000 | 119,000 |
| Noninterest expense | 246,000 | 466,000 | 688,000 | 925,000 |
| Provision for loan losses | 0 | 8,000 | 18,000 | 18,000 |
| Pretax income | 93,000 | 224,000 | 343,000 | 421,000 |
| Income tax | 3,000 | 9,000 | 15,000 | 20,000 |
| Net income | 90,000 | 215,000 | 328,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,507,000 | 3,621,000 | 3,715,000 | 3,604,000 |
| Total capital | 3,626,000 | 3,748,000 | 3,852,000 | 3,741,000 |
| Risk-weighted assets | 19,192,000 | 19,609,000 | 18,310,000 | 17,077,000 |