Call reports 2005
VALLEY BANK OF COMMERCE — 2005
What VALLEY BANK OF COMMERCE 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 | 82,864,000 | 85,940,000 | 96,524,000 | 103,542,000 |
| Total loans | 42,253,000 | 42,896,000 | 45,208,000 | 43,574,000 |
| Allowance for loan losses | 539,000 | 540,000 | 547,000 | 547,000 |
| Securities available for sale | 10,464,000 | 9,869,000 | 11,399,000 | 12,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,749,000 | 73,789,000 | 84,158,000 | 90,913,000 |
| Interest-bearing deposits | 52,075,000 | 50,526,000 | 57,940,000 | 62,857,000 |
| Noninterest-bearing deposits | 20,674,000 | 23,263,000 | 26,218,000 | 28,056,000 |
| Equity capital | 6,447,000 | 6,690,000 | 7,051,000 | 6,538,000 |
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 | 981,000 | 2,026,000 | 3,238,000 | 4,622,000 |
| Interest expense | 163,000 | 340,000 | 566,000 | 854,000 |
| Net interest income | 818,000 | 1,686,000 | 2,672,000 | 3,768,000 |
| Noninterest income | 80,000 | 156,000 | 236,000 | 313,000 |
| Noninterest expense | 488,000 | 990,000 | 1,519,000 | 2,098,000 |
| Provision for loan losses | 0 | 0 | 7,000 | 7,000 |
| Pretax income | 413,000 | 852,000 | 1,382,000 | 1,976,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 413,000 | 852,000 | 1,382,000 | 1,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,524,000 | 6,736,000 | 7,116,000 | 6,705,000 |
| Total capital | 7,063,000 | 7,276,000 | 7,663,000 | 7,252,000 |
| Risk-weighted assets | 56,715,000 | 58,829,000 | 63,009,000 | 63,926,000 |
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