Call reports 2006
VALLEY BANK OF RONAN — 2006
What VALLEY BANK OF RONAN 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 | 47,468,000 | 49,179,000 | 51,367,000 | 53,253,000 |
| Total loans | 39,243,000 | 39,756,000 | 40,560,000 | 39,181,000 |
| Allowance for loan losses | 647,000 | 654,000 | 697,000 | 731,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,000 | 6,000 | 6,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,104,000 | 42,760,000 | 44,760,000 | 46,657,000 |
| Interest-bearing deposits | 29,838,000 | 31,277,000 | 31,710,000 | 34,189,000 |
| Noninterest-bearing deposits | 11,266,000 | 11,483,000 | 13,050,000 | 12,468,000 |
| Equity capital | 5,146,000 | 5,350,000 | 5,536,000 | 5,609,000 |
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 | 887,000 | 1,866,000 | 2,915,000 | 3,987,000 |
| Interest expense | 165,000 | 359,000 | 583,000 | 837,000 |
| Net interest income | 722,000 | 1,507,000 | 2,332,000 | 3,150,000 |
| Noninterest income | 163,000 | 341,000 | 521,000 | 698,000 |
| Noninterest expense | 580,000 | 1,167,000 | 1,801,000 | 2,427,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 272,000 | 615,000 | 954,000 | 1,290,000 |
| Income tax | 61,000 | 200,000 | 352,000 | 456,000 |
| Net income | 211,000 | 415,000 | 602,000 | 834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,057,000 | 5,263,000 | 5,452,000 | 5,527,000 |
| Total capital | 5,597,000 | 5,814,000 | 6,017,000 | 6,082,000 |
| Risk-weighted assets | 43,130,000 | 43,961,000 | 45,089,000 | 44,212,000 |
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