Call reports 2005
VALLEY NATIONAL BANK — 2005
What VALLEY NATIONAL 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 | 257,200,000 | 254,100,000 | 256,751,000 | 255,612,000 |
| Total loans | 145,774,000 | 150,788,000 | 157,311,000 | 154,789,000 |
| Allowance for loan losses | 2,196,000 | 2,337,000 | 2,421,000 | 2,088,000 |
| Securities available for sale | 90,043,000 | 86,978,000 | 83,981,000 | 81,155,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,208,000 | 186,221,000 | 185,098,000 | 186,525,000 |
| Interest-bearing deposits | 158,808,000 | 165,869,000 | 165,375,000 | 164,685,000 |
| Noninterest-bearing deposits | 31,400,000 | 20,351,000 | 19,722,000 | 21,840,000 |
| Equity capital | 27,535,000 | 28,826,000 | 29,292,000 | 28,683,000 |
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 | 3,777,000 | 7,582,000 | 11,568,000 | 15,706,000 |
| Interest expense | 1,237,000 | 2,573,000 | 4,037,000 | 5,660,000 |
| Net interest income | 2,540,000 | 5,009,000 | 7,531,000 | 10,046,000 |
| Noninterest income | 194,000 | 359,000 | 544,000 | 736,000 |
| Noninterest expense | 1,252,000 | 2,586,000 | 3,938,000 | 5,278,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 365,000 |
| Pretax income | 1,390,000 | 2,628,000 | 3,897,000 | 5,157,000 |
| Income tax | 455,000 | 880,000 | 1,311,000 | 1,797,000 |
| Net income | 935,000 | 1,748,000 | 2,586,000 | 3,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,939,000 | 28,752,000 | 29,543,000 | 29,521,000 |
| Total capital | 29,970,000 | 30,825,000 | 31,687,000 | 31,609,000 |
| Risk-weighted assets | 162,304,000 | 165,563,000 | 171,205,000 | 169,765,000 |
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