Call reports 2005
FIRST VALLEY BANK — 2005
What FIRST VALLEY 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 | 39,837,000 | 41,152,000 | 43,916,000 | 41,891,000 |
| Total loans | 29,758,000 | 32,287,000 | 35,471,000 | 34,886,000 |
| Allowance for loan losses | 247,000 | 253,000 | 265,000 | 261,000 |
| Securities available for sale | 864,000 | 853,000 | 778,000 | 664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,684,000 | 36,119,000 | 38,486,000 | 37,371,000 |
| Interest-bearing deposits | 28,485,000 | 29,178,000 | 30,186,000 | 30,114,000 |
| Noninterest-bearing deposits | 7,199,000 | 6,941,000 | 8,300,000 | 7,257,000 |
| Equity capital | 2,833,000 | 2,962,000 | 3,096,000 | 3,157,000 |
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 | 550,000 | 1,163,000 | 1,850,000 | 2,520,000 |
| Interest expense | 197,000 | 421,000 | 678,000 | 946,000 |
| Net interest income | 353,000 | 742,000 | 1,172,000 | 1,574,000 |
| Noninterest income | 32,000 | 74,000 | 105,000 | 131,000 |
| Noninterest expense | 161,000 | 336,000 | 515,000 | 755,000 |
| Provision for loan losses | 6,000 | 12,000 | 24,000 | 59,000 |
| Pretax income | 218,000 | 468,000 | 738,000 | 891,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 218,000 | 468,000 | 738,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,833,000 | 2,958,000 | 3,098,000 | 3,160,000 |
| Total capital | 3,080,000 | 3,211,000 | 3,363,000 | 3,421,000 |
| Risk-weighted assets | 29,658,000 | 31,545,000 | 34,420,000 | 33,463,000 |