Call reports 2004
VALLEY BANK — 2004
What 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 | 26,709,000 | 31,518,000 | 31,122,000 | 49,589,000 |
| Total loans | 18,336,000 | 18,696,000 | 21,750,000 | 36,898,000 |
| Allowance for loan losses | 1,646,000 | 541,000 | 702,000 | 416,000 |
| Securities available for sale | 4,693,000 | 4,546,000 | 3,093,000 | 4,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,721,000 | 24,874,000 | 24,089,000 | 34,657,000 |
| Interest-bearing deposits | 17,444,000 | 16,895,000 | 16,362,000 | 26,292,000 |
| Noninterest-bearing deposits | 9,277,000 | 7,979,000 | 7,727,000 | 8,365,000 |
| Equity capital | -453,000 | 6,559,000 | 6,394,000 | 8,419,000 |
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 | 418,000 | 88,000 | 544,000 | 1,018,000 |
| Interest expense | 64,000 | 17,000 | 84,000 | 166,000 |
| Net interest income | 354,000 | 71,000 | 460,000 | 852,000 |
| Noninterest income | 85,000 | 15,000 | 68,000 | 217,000 |
| Noninterest expense | 560,000 | 201,000 | 668,000 | 1,273,000 |
| Provision for loan losses | 60,000 | 0 | 0 | 96,000 |
| Pretax income | -191,000 | -115,000 | -141,000 | -301,000 |
| Income tax | -44,000 | -39,000 | -42,000 | -103,000 |
| Net income | -147,000 | -76,000 | -99,000 | -198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | -424,000 | 2,099,000 | 2,768,000 | 4,717,000 |
| Total capital | -424,000 | 2,342,000 | 3,054,000 | 5,133,000 |
| Risk-weighted assets | 18,960,000 | 19,172,000 | 22,482,000 | 36,865,000 |
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