Call reports 2005
VALLEY BANK OF RONAN — 2005
What VALLEY BANK OF RONAN 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 | 44,659,000 | 45,718,000 | 48,592,000 | 44,344,000 |
| Total loans | 35,020,000 | 36,706,000 | 39,260,000 | 39,256,000 |
| Allowance for loan losses | 552,000 | 583,000 | 588,000 | 618,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 799,000 | 549,000 | 549,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,762,000 | 39,803,000 | 38,483,000 | 38,272,000 |
| Interest-bearing deposits | 28,316,000 | 28,368,000 | 26,601,000 | 27,635,000 |
| Noninterest-bearing deposits | 10,446,000 | 11,435,000 | 11,882,000 | 10,637,000 |
| Equity capital | 4,535,000 | 4,682,000 | 4,942,000 | 4,934,000 |
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 | 719,000 | 1,534,000 | 2,438,000 | 3,329,000 |
| Interest expense | 110,000 | 228,000 | 352,000 | 506,000 |
| Net interest income | 609,000 | 1,306,000 | 2,086,000 | 2,823,000 |
| Noninterest income | 153,000 | 313,000 | 493,000 | 673,000 |
| Noninterest expense | 536,000 | 1,096,000 | 1,647,000 | 2,222,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 193,000 | 457,000 | 833,000 | 1,142,000 |
| Income tax | 80,000 | 197,000 | 313,000 | 480,000 |
| Net income | 113,000 | 260,000 | 520,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,436,000 | 4,586,000 | 4,848,000 | 4,842,000 |
| Total capital | 4,926,000 | 5,098,000 | 5,392,000 | 5,373,000 |
| Risk-weighted assets | 39,171,000 | 40,854,000 | 43,444,000 | 42,429,000 |
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