Call reports 2005
VALLEY BANK — 2005
What 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 | 65,419,000 | 78,294,000 | 92,320,000 | 96,686,000 |
| Total loans | 42,133,000 | 51,884,000 | 70,316,000 | 77,142,000 |
| Allowance for loan losses | 363,000 | 456,000 | 605,000 | 572,000 |
| Securities available for sale | 7,138,000 | 14,768,000 | 13,560,000 | 12,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,950,000 | 66,846,000 | 80,607,000 | 77,595,000 |
| Interest-bearing deposits | 42,652,000 | 57,870,000 | 72,406,000 | 69,831,000 |
| Noninterest-bearing deposits | 14,298,000 | 8,976,000 | 8,201,000 | 7,764,000 |
| Equity capital | 8,363,000 | 10,978,000 | 10,958,000 | 11,100,000 |
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 | 662,000 | 1,579,000 | 2,789,000 | 4,193,000 |
| Interest expense | 159,000 | 507,000 | 1,012,000 | 1,689,000 |
| Net interest income | 503,000 | 1,072,000 | 1,777,000 | 2,504,000 |
| Noninterest income | 427,000 | 1,455,000 | 2,903,000 | 4,366,000 |
| Noninterest expense | 917,000 | 2,314,000 | 4,203,000 | 6,019,000 |
| Provision for loan losses | 33,000 | 133,000 | 282,000 | 413,000 |
| Pretax income | -20,000 | 80,000 | 195,000 | 438,000 |
| Income tax | -7,000 | 27,000 | 109,000 | 149,000 |
| Net income | -13,000 | 53,000 | 86,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,718,000 | 7,299,000 | 7,346,000 | 7,564,000 |
| Total capital | 5,081,000 | 7,755,000 | 7,951,000 | 8,136,000 |
| Risk-weighted assets | 41,898,000 | 48,923,000 | 61,589,000 | 65,430,000 |
Machine access — free, no API key
Every figure shown here about VALLEY BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.