Call reports 2004
VALLEY NATIONAL BANK — 2004
What VALLEY NATIONAL 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 | 249,029,000 | 251,677,000 | 252,912,000 | 258,655,000 |
| Total loans | 149,277,000 | 148,179,000 | 151,039,000 | 151,625,000 |
| Allowance for loan losses | 2,307,000 | 2,262,000 | 2,341,000 | 2,267,000 |
| Securities available for sale | 80,143,000 | 80,241,000 | 83,703,000 | 89,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,895,000 | 192,168,000 | 191,817,000 | 191,510,000 |
| Interest-bearing deposits | 164,382,000 | 166,792,000 | 169,708,000 | 168,124,000 |
| Noninterest-bearing deposits | 22,514,000 | 25,376,000 | 22,109,000 | 23,386,000 |
| Equity capital | 26,125,000 | 25,227,000 | 27,365,000 | 27,333,000 |
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 | 3,348,000 | 6,743,000 | 10,464,000 | 14,279,000 |
| Interest expense | 1,077,000 | 2,139,000 | 3,219,000 | 4,354,000 |
| Net interest income | 2,271,000 | 4,604,000 | 7,245,000 | 9,925,000 |
| Noninterest income | 177,000 | 353,000 | 522,000 | 729,000 |
| Noninterest expense | 1,176,000 | 2,370,000 | 3,599,000 | 4,943,000 |
| Provision for loan losses | 50,000 | 140,000 | 230,000 | 521,000 |
| Pretax income | 1,317,000 | 2,542,000 | 4,049,000 | 5,300,000 |
| Income tax | 406,000 | 786,000 | 1,284,000 | 1,665,000 |
| Net income | 911,000 | 1,756,000 | 2,765,000 | 3,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,078,000 | 25,923,000 | 26,933,000 | 27,005,000 |
| Total capital | 27,072,000 | 27,921,000 | 28,938,000 | 29,052,000 |
| Risk-weighted assets | 159,230,000 | 159,771,000 | 160,081,000 | 163,542,000 |
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