Call reports 2005
PREMIER VALLEY BANK — 2005
What PREMIER VALLEY 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 | 379,401,000 | 392,773,000 | 392,697,000 | 409,353,000 |
| Total loans | 194,980,000 | 200,728,000 | 234,809,000 | 231,442,000 |
| Allowance for loan losses | 2,784,000 | 2,908,000 | 3,165,000 | 3,275,000 |
| Securities available for sale | 128,603,000 | 121,507,000 | 112,784,000 | 100,902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,517,000 | 335,474,000 | 334,770,000 | 349,764,000 |
| Interest-bearing deposits | 223,719,000 | 232,686,000 | 230,763,000 | 237,542,000 |
| Noninterest-bearing deposits | 95,798,000 | 102,788,000 | 104,007,000 | 112,222,000 |
| Equity capital | 49,191,000 | 51,661,000 | 52,314,000 | 53,332,000 |
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 | 2,594,000 | 7,397,000 | 12,764,000 | 18,111,000 |
| Interest expense | 451,000 | 1,304,000 | 2,263,000 | 3,302,000 |
| Net interest income | 2,143,000 | 6,093,000 | 10,501,000 | 14,809,000 |
| Noninterest income | 68,000 | 527,000 | 1,035,000 | 1,476,000 |
| Noninterest expense | 1,228,000 | 3,792,000 | 6,473,000 | 9,087,000 |
| Provision for loan losses | 265,000 | 305,000 | 532,000 | 805,000 |
| Pretax income | 718,000 | 2,523,000 | 4,531,000 | 6,326,000 |
| Income tax | 294,000 | 938,000 | 1,733,000 | 2,302,000 |
| Net income | 424,000 | 1,585,000 | 2,798,000 | 4,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,781,000 | 34,857,000 | 36,734,000 | 37,329,000 |
| Total capital | 36,697,000 | 37,909,000 | 40,043,000 | 40,706,000 |
| Risk-weighted assets | 241,343,000 | 251,118,000 | 272,941,000 | 272,770,000 |
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