Call reports 2004
NORTHERN NEVADA BANK — 2004
What NORTHERN NEVADA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,603,000 | 97,813,000 | 110,816,000 | 111,987,000 |
| Total loans | 73,843,000 | 76,927,000 | 88,848,000 | 87,418,000 |
| Allowance for loan losses | 867,000 | 761,000 | 924,000 | 1,014,000 |
| Securities available for sale | 1,082,000 | 768,000 | 725,000 | 695,000 |
| Securities held to maturity | 2,646,000 | 4,813,000 | 4,763,000 | 4,226,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,708,000 | 86,696,000 | 99,363,000 | 98,307,000 |
| Interest-bearing deposits | 67,268,000 | 75,635,000 | 86,291,000 | 83,467,000 |
| Noninterest-bearing deposits | 11,440,000 | 11,061,000 | 13,072,000 | 14,840,000 |
| Equity capital | 9,010,000 | 9,331,000 | 9,625,000 | 9,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,475,000 | 3,150,000 | 4,883,000 | 6,729,000 |
| Interest expense | 329,000 | 722,000 | 1,145,000 | 1,611,000 |
| Net interest income | 1,146,000 | 2,428,000 | 3,738,000 | 5,118,000 |
| Noninterest income | 15,000 | 32,000 | 50,000 | 66,000 |
| Noninterest expense | 614,000 | 1,277,000 | 1,993,000 | 2,834,000 |
| Provision for loan losses | 117,000 | 260,000 | 423,000 | 513,000 |
| Pretax income | 430,000 | 923,000 | 1,372,000 | 1,837,000 |
| Income tax | 145,000 | 313,000 | 465,000 | 626,000 |
| Net income | 285,000 | 610,000 | 907,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,996,000 | 9,324,000 | 9,619,000 | 9,975,000 |
| Total capital | 9,872,000 | 10,094,000 | 10,554,000 | 11,001,000 |
| Risk-weighted assets | 74,448,000 | 81,423,000 | 92,834,000 | 92,754,000 |
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