Call reports 2005
VALOR BANK — 2005
What VALOR 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 | 23,588,000 | 24,504,000 | 24,049,000 | 23,906,000 |
| Total loans | 14,681,000 | 13,368,000 | 13,876,000 | 15,914,000 |
| Allowance for loan losses | 142,000 | 158,000 | 143,000 | 168,000 |
| Securities available for sale | 5,878,000 | 7,320,000 | 7,833,000 | 5,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,422,000 | 22,295,000 | 21,792,000 | 21,789,000 |
| Interest-bearing deposits | 17,636,000 | 18,445,000 | 18,239,000 | 17,930,000 |
| Noninterest-bearing deposits | 3,786,000 | 3,850,000 | 3,553,000 | 3,859,000 |
| Equity capital | 1,791,000 | 1,833,000 | 1,842,000 | 1,666,000 |
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 | 318,000 | 647,000 | 986,000 | 1,346,000 |
| Interest expense | 91,000 | 196,000 | 313,000 | 439,000 |
| Net interest income | 227,000 | 451,000 | 673,000 | 907,000 |
| Noninterest income | 35,000 | 64,000 | 97,000 | 138,000 |
| Noninterest expense | 195,000 | 393,000 | 594,000 | 795,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 55,000 |
| Pretax income | 78,000 | 103,000 | 160,000 | 169,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 103,000 | 160,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,797,000 | 1,811,000 | 1,868,000 | 1,763,000 |
| Total capital | 1,939,000 | 1,969,000 | 2,011,000 | 1,931,000 |
| Risk-weighted assets | 15,513,000 | 14,888,000 | 15,239,000 | 16,573,000 |