Call reports 2006
VALLEY BANK OF GLASGOW — 2006
What VALLEY BANK OF GLASGOW reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 28,078,000 | 27,438,000 | 27,966,000 | 30,618,000 |
| Total loans | 17,892,000 | 18,546,000 | 18,044,000 | 16,958,000 |
| Allowance for loan losses | 182,000 | 188,000 | 174,000 | 127,000 |
| Securities available for sale | 6,549,000 | 6,492,000 | 5,907,000 | 6,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,027,000 | 24,296,000 | 24,591,000 | 27,471,000 |
| Interest-bearing deposits | 22,157,000 | 21,687,000 | 22,143,000 | 23,228,000 |
| Noninterest-bearing deposits | 2,870,000 | 2,609,000 | 2,448,000 | 4,243,000 |
| Equity capital | 2,679,000 | 2,767,000 | 2,886,000 | 2,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 1,031,000 | 1,553,000 | 2,085,000 |
| Interest expense | 150,000 | 312,000 | 500,000 | 709,000 |
| Net interest income | 360,000 | 719,000 | 1,053,000 | 1,376,000 |
| Noninterest income | 48,000 | 98,000 | 148,000 | 194,000 |
| Noninterest expense | 264,000 | 524,000 | 789,000 | 1,095,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 135,000 | 275,000 | 385,000 | 439,000 |
| Income tax | 49,000 | 99,000 | 137,000 | 155,000 |
| Net income | 86,000 | 176,000 | 248,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,752,000 | 2,842,000 | 2,914,000 | 2,750,000 |
| Total capital | 2,934,000 | 3,030,000 | 3,088,000 | 2,877,000 |
| Risk-weighted assets | 18,750,000 | 19,736,000 | 19,347,000 | 19,486,000 |
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