Call reports 2004
PREMIER VALLEY BANK — 2004
What PREMIER VALLEY 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 | 157,560,000 | 182,331,000 | 203,658,000 | 192,791,000 |
| Total loans | 82,238,000 | 91,863,000 | 119,359,000 | 129,397,000 |
| Allowance for loan losses | 903,000 | 1,087,000 | 1,475,000 | 1,621,000 |
| Securities available for sale | 45,993,000 | 47,893,000 | 58,664,000 | 48,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,114,000 | 163,479,000 | 170,875,000 | 159,227,000 |
| Interest-bearing deposits | 101,371,000 | 116,832,000 | 130,768,000 | 115,213,000 |
| Noninterest-bearing deposits | 35,744,000 | 46,647,000 | 40,106,000 | 44,014,000 |
| Equity capital | 16,037,000 | 15,189,000 | 29,025,000 | 29,637,000 |
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 | 1,515,000 | 3,270,000 | 5,440,000 | 7,814,000 |
| Interest expense | 275,000 | 583,000 | 933,000 | 1,323,000 |
| Net interest income | 1,240,000 | 2,687,000 | 4,507,000 | 6,491,000 |
| Noninterest income | 56,000 | 130,000 | 211,000 | 306,000 |
| Noninterest expense | 897,000 | 1,879,000 | 2,869,000 | 3,886,000 |
| Provision for loan losses | 85,000 | 268,000 | 657,000 | 802,000 |
| Pretax income | 315,000 | 670,000 | 1,192,000 | 2,036,000 |
| Income tax | 0 | 1,000 | 1,000 | 106,000 |
| Net income | 315,000 | 669,000 | 1,191,000 | 1,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,780,000 | 16,134,000 | 29,117,000 | 29,857,000 |
| Total capital | 16,749,000 | 17,309,000 | 30,670,000 | 31,573,000 |
| Risk-weighted assets | 96,503,000 | 111,239,000 | 138,326,000 | 142,634,000 |
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