Call reports 2003
NORTHERN NEVADA BANK — 2003
What NORTHERN NEVADA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,150,000 | 74,100,000 | 75,372,000 | 83,051,000 |
| Total loans | 51,828,000 | 54,318,000 | 59,692,000 | 65,993,000 |
| Allowance for loan losses | 597,000 | 617,000 | 676,000 | 750,000 |
| Securities available for sale | 3,875,000 | 2,201,000 | 1,713,000 | 1,383,000 |
| Securities held to maturity | 1,090,000 | 4,206,000 | 3,779,000 | 3,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,600,000 | 65,167,000 | 65,450,000 | 72,457,000 |
| Interest-bearing deposits | 52,062,000 | 55,256,000 | 54,987,000 | 62,383,000 |
| Noninterest-bearing deposits | 5,538,000 | 9,911,000 | 10,463,000 | 10,074,000 |
| Equity capital | 7,387,000 | 7,730,000 | 8,196,000 | 8,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,205,000 | 3,467,000 | 4,839,000 |
| Interest expense | 297,000 | 628,000 | 930,000 | 1,249,000 |
| Net interest income | 730,000 | 1,577,000 | 2,537,000 | 3,590,000 |
| Noninterest income | 14,000 | 31,000 | 45,000 | 62,000 |
| Noninterest expense | 488,000 | 964,000 | 1,434,000 | 1,950,000 |
| Provision for loan losses | 73,000 | 93,000 | 152,000 | 226,000 |
| Pretax income | 183,000 | 551,000 | 996,000 | 1,476,000 |
| Income tax | 9,000 | 83,000 | 176,000 | 293,000 |
| Net income | 174,000 | 468,000 | 820,000 | 1,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,338,000 | 7,682,000 | 8,168,000 | 8,688,000 |
| Total capital | 7,942,000 | 8,308,000 | 8,853,000 | 9,448,000 |
| Risk-weighted assets | 51,692,000 | 56,625,000 | 59,613,000 | 66,116,000 |