Call reports 2004
VALOR BANK — 2004
What VALOR 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 | 23,415,000 | 23,583,000 | 23,099,000 | 22,475,000 |
| Total loans | 14,139,000 | 12,037,000 | 13,034,000 | 14,772,000 |
| Allowance for loan losses | 110,000 | 134,000 | 122,000 | 157,000 |
| Securities available for sale | 7,037,000 | 7,152,000 | 6,577,000 | 5,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,151,000 | 21,450,000 | 20,766,000 | 20,350,000 |
| Interest-bearing deposits | 18,291,000 | 17,737,000 | 17,769,000 | 17,075,000 |
| Noninterest-bearing deposits | 2,860,000 | 3,713,000 | 2,997,000 | 3,275,000 |
| Equity capital | 1,914,000 | 1,783,000 | 1,949,000 | 1,787,000 |
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 | 308,000 | 608,000 | 911,000 | 1,226,000 |
| Interest expense | 80,000 | 161,000 | 247,000 | 335,000 |
| Net interest income | 228,000 | 447,000 | 664,000 | 891,000 |
| Noninterest income | 40,000 | 77,000 | 120,000 | 140,000 |
| Noninterest expense | 180,000 | 357,000 | 540,000 | 753,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 60,000 |
| Pretax income | 88,000 | 152,000 | 229,000 | 231,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 88,000 | 152,000 | 229,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,751,000 | 1,788,000 | 1,848,000 | 1,721,000 |
| Total capital | 1,861,000 | 1,922,000 | 1,970,000 | 1,878,000 |
| Risk-weighted assets | 14,606,000 | 13,594,000 | 14,224,000 | 15,731,000 |
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