Call reports 2005
VALLEY BANK OF GLASGOW — 2005
What VALLEY BANK OF GLASGOW 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 | 28,613,000 | 27,794,000 | 27,713,000 | 28,059,000 |
| Total loans | 18,375,000 | 18,694,000 | 19,421,000 | 18,296,000 |
| Allowance for loan losses | 173,000 | 181,000 | 166,000 | 172,000 |
| Securities available for sale | 6,207,000 | 5,843,000 | 6,292,000 | 6,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,645,000 | 24,685,000 | 24,042,000 | 25,081,000 |
| Interest-bearing deposits | 23,401,000 | 22,470,000 | 21,587,000 | 22,190,000 |
| Noninterest-bearing deposits | 2,244,000 | 2,215,000 | 2,455,000 | 2,891,000 |
| Equity capital | 2,624,000 | 2,740,000 | 2,799,000 | 2,596,000 |
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 | 473,000 | 957,000 | 1,456,000 | 1,972,000 |
| Interest expense | 123,000 | 248,000 | 380,000 | 523,000 |
| Net interest income | 350,000 | 709,000 | 1,076,000 | 1,449,000 |
| Noninterest income | 42,000 | 85,000 | 150,000 | 203,000 |
| Noninterest expense | 257,000 | 516,000 | 798,000 | 1,106,000 |
| Provision for loan losses | 0 | 8,000 | 20,000 | 32,000 |
| Pretax income | 135,000 | 270,000 | 408,000 | 514,000 |
| Income tax | 48,000 | 98,000 | 150,000 | 189,000 |
| Net income | 87,000 | 172,000 | 258,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,677,000 | 2,762,000 | 2,848,000 | 2,666,000 |
| Total capital | 2,850,000 | 2,943,000 | 3,014,000 | 2,838,000 |
| Risk-weighted assets | 20,020,000 | 20,093,000 | 20,773,000 | 19,756,000 |
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