Call reports 2004
VALLEY BANK OF RONAN — 2004
What VALLEY BANK OF RONAN 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 | 41,683,000 | 44,660,000 | 45,006,000 | 45,500,000 |
| Total loans | 34,768,000 | 34,785,000 | 34,550,000 | 33,893,000 |
| Allowance for loan losses | 461,000 | 491,000 | 500,000 | 530,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 807,000 | 807,000 | 807,000 | 799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,122,000 | 38,058,000 | 38,287,000 | 39,801,000 |
| Interest-bearing deposits | 27,840,000 | 29,062,000 | 29,014,000 | 29,265,000 |
| Noninterest-bearing deposits | 8,282,000 | 8,996,000 | 9,273,000 | 10,536,000 |
| Equity capital | 4,069,000 | 4,238,000 | 4,378,000 | 4,422,000 |
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 | 720,000 | 1,479,000 | 2,209,000 | 2,960,000 |
| Interest expense | 109,000 | 218,000 | 334,000 | 449,000 |
| Net interest income | 611,000 | 1,261,000 | 1,875,000 | 2,511,000 |
| Noninterest income | 146,000 | 311,000 | 476,000 | 632,000 |
| Noninterest expense | 499,000 | 1,007,000 | 1,521,000 | 2,022,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 228,000 | 505,000 | 740,000 | 1,001,000 |
| Income tax | 92,000 | 200,000 | 295,000 | 382,000 |
| Net income | 136,000 | 305,000 | 445,000 | 619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,961,000 | 4,132,000 | 4,274,000 | 4,321,000 |
| Total capital | 4,422,000 | 4,619,000 | 4,760,000 | 4,800,000 |
| Risk-weighted assets | 38,280,000 | 38,975,000 | 38,902,000 | 38,296,000 |
Machine access — free, no API key
Every figure shown here about VALLEY BANK OF RONAN — 2004 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 since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) 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.