Call reports 2006
NORTHERN NEVADA BANK — 2006
What NORTHERN NEVADA BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 151,209,000 | 149,956,000 | 156,653,000 |
| Total loans | 123,160,000 | 122,096,000 | 121,273,000 |
| Allowance for loan losses | 1,572,000 | 1,642,000 | 1,545,000 |
| Securities available for sale | 102,000 | 90,000 | 79,000 |
| Securities held to maturity | 6,021,000 | 6,005,000 | 5,988,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 125,719,000 | 124,167,000 | 130,204,000 |
| Interest-bearing deposits | 102,779,000 | 108,330,000 | 114,176,000 |
| Noninterest-bearing deposits | 22,940,000 | 15,837,000 | 16,028,000 |
| Equity capital | 16,326,000 | 16,833,000 | 17,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Interest income | 2,771,000 | 5,594,000 | 8,530,000 |
| Interest expense | 950,000 | 2,005,000 | 3,155,000 |
| Net interest income | 1,821,000 | 3,589,000 | 5,375,000 |
| Noninterest income | 86,000 | 170,000 | 256,000 |
| Noninterest expense | 1,007,000 | 2,022,000 | 2,979,000 |
| Provision for loan losses | 151,000 | 221,000 | 220,000 |
| Pretax income | 749,000 | 1,516,000 | 2,432,000 |
| Income tax | 250,000 | 510,000 | 815,000 |
| Net income | 499,000 | 1,006,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 16,326,000 | 16,834,000 | 17,445,000 |
| Total capital | 17,916,000 | 18,439,000 | 19,009,000 |
| Risk-weighted assets | 127,848,000 | 128,362,000 | 128,892,000 |