Call reports 2004
VALLEY BANK OF GLASGOW — 2004
What VALLEY BANK OF GLASGOW 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 | 28,469,000 | 27,667,000 | 27,799,000 | 30,001,000 |
| Total loans | 18,291,000 | 18,746,000 | 19,747,000 | 18,630,000 |
| Allowance for loan losses | 216,000 | 168,000 | 173,000 | 173,000 |
| Securities available for sale | 5,050,000 | 3,956,000 | 4,862,000 | 5,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,557,000 | 24,790,000 | 24,698,000 | 27,075,000 |
| Interest-bearing deposits | 23,072,000 | 22,518,000 | 22,467,000 | 24,327,000 |
| Noninterest-bearing deposits | 2,485,000 | 2,272,000 | 2,231,000 | 2,748,000 |
| Equity capital | 2,609,000 | 2,619,000 | 2,746,000 | 2,594,000 |
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 | 408,000 | 836,000 | 1,289,000 | 1,755,000 |
| Interest expense | 111,000 | 219,000 | 328,000 | 446,000 |
| Net interest income | 297,000 | 617,000 | 961,000 | 1,309,000 |
| Noninterest income | 44,000 | 176,000 | 237,000 | 286,000 |
| Noninterest expense | 254,000 | 504,000 | 761,000 | 1,034,000 |
| Provision for loan losses | 12,000 | 84,000 | 88,000 | 88,000 |
| Pretax income | 75,000 | 205,000 | 349,000 | 473,000 |
| Income tax | 27,000 | 74,000 | 129,000 | 176,000 |
| Net income | 48,000 | 131,000 | 220,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,541,000 | 2,624,000 | 2,713,000 | 2,590,000 |
| Total capital | 2,757,000 | 2,792,000 | 2,886,000 | 2,763,000 |
| Risk-weighted assets | 18,463,000 | 18,739,000 | 20,228,000 | 20,505,000 |
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