Call reports 2005
VALLEY STATE BANK, THE — 2005
What VALLEY STATE BANK, THE 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 | 39,900,000 | 35,156,000 | 31,488,000 | 31,662,000 |
| Total loans | 19,256,000 | 19,515,000 | 19,177,000 | 20,053,000 |
| Allowance for loan losses | 191,000 | 192,000 | 194,000 | 194,000 |
| Securities available for sale | 6,209,000 | 6,658,000 | 6,941,000 | 7,407,000 |
| Securities held to maturity | 1,209,000 | 1,493,000 | 1,768,000 | 1,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,606,000 | 31,844,000 | 28,138,000 | 28,066,000 |
| Interest-bearing deposits | 32,030,000 | 27,699,000 | 24,379,000 | 23,429,000 |
| Noninterest-bearing deposits | 4,576,000 | 4,145,000 | 3,759,000 | 4,637,000 |
| Equity capital | 3,171,000 | 3,210,000 | 3,230,000 | 3,283,000 |
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 | 525,000 | 1,072,000 | 1,646,000 | 2,161,000 |
| Interest expense | 229,000 | 438,000 | 614,000 | 781,000 |
| Net interest income | 296,000 | 634,000 | 1,032,000 | 1,380,000 |
| Noninterest income | 20,000 | 43,000 | 64,000 | 87,000 |
| Noninterest expense | 287,000 | 579,000 | 890,000 | 1,174,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 29,000 | 98,000 | 206,000 | 293,000 |
| Income tax | 1,000 | 4,000 | 9,000 | 12,000 |
| Net income | 28,000 | 94,000 | 197,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,053,000 | 2,999,000 | 3,089,000 | 3,181,000 |
| Total capital | 3,244,000 | 3,191,000 | 3,283,000 | 3,375,000 |
| Risk-weighted assets | 23,020,000 | 21,718,000 | 21,193,000 | 22,105,000 |