Call reports 2005
NORTHERN NEVADA BANK — 2005
What NORTHERN NEVADA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 109,241,000 | 126,522,000 | 137,830,000 | 147,444,000 |
| Total loans | 93,550,000 | 107,495,000 | 117,766,000 | 126,485,000 |
| Allowance for loan losses | 1,058,000 | 1,164,000 | 1,280,000 | 1,421,000 |
| Securities available for sale | 173,000 | 156,000 | 132,000 | 113,000 |
| Securities held to maturity | 6,187,000 | 6,159,000 | 6,057,000 | 6,035,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,587,000 | 107,906,000 | 116,635,000 | 121,331,000 |
| Interest-bearing deposits | 79,840,000 | 91,583,000 | 99,865,000 | 105,111,000 |
| Noninterest-bearing deposits | 12,747,000 | 16,323,000 | 16,770,000 | 16,220,000 |
| Equity capital | 10,301,000 | 14,758,000 | 15,256,000 | 15,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,957,000 | 6,482,000 | 9,176,000 |
| Interest expense | 504,000 | 1,167,000 | 1,964,000 | 2,854,000 |
| Net interest income | 1,373,000 | 2,790,000 | 4,518,000 | 6,322,000 |
| Noninterest income | 16,000 | 50,000 | 97,000 | 198,000 |
| Noninterest expense | 855,000 | 1,737,000 | 2,634,000 | 3,545,000 |
| Provision for loan losses | 43,000 | 150,000 | 266,000 | 407,000 |
| Pretax income | 491,000 | 953,000 | 1,715,000 | 2,568,000 |
| Income tax | 167,000 | 322,000 | 586,000 | 867,000 |
| Net income | 324,000 | 631,000 | 1,129,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,301,000 | 13,135,000 | 14,006,000 | 14,577,000 |
| Total capital | 11,372,000 | 15,938,000 | 16,557,000 | 17,267,000 |
| Risk-weighted assets | 98,225,000 | 111,896,000 | 126,072,000 | 129,712,000 |