Call reports 2006
VALLEY BANK OF COMMERCE — 2006
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 99,930,000 | 90,938,000 | 94,416,000 | 105,777,000 |
| Total loans | 41,060,000 | 41,112,000 | 43,417,000 | 43,821,000 |
| Allowance for loan losses | 547,000 | 547,000 | 547,000 | 578,000 |
| Securities available for sale | 11,451,000 | 12,700,000 | 21,845,000 | 19,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,992,000 | 79,278,000 | 81,580,000 | 91,730,000 |
| Interest-bearing deposits | 61,541,000 | 53,294,000 | 54,678,000 | 55,865,000 |
| Noninterest-bearing deposits | 24,451,000 | 25,984,000 | 26,902,000 | 35,865,000 |
| Equity capital | 6,974,000 | 7,376,000 | 7,988,000 | 6,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,463,000 | 2,949,000 | 4,506,000 | 6,192,000 |
| Interest expense | 393,000 | 787,000 | 1,210,000 | 1,674,000 |
| Net interest income | 1,070,000 | 2,162,000 | 3,296,000 | 4,518,000 |
| Noninterest income | 65,000 | 159,000 | 257,000 | 356,000 |
| Noninterest expense | 546,000 | 1,127,000 | 1,692,000 | 2,321,000 |
| Provision for loan losses | 0 | 0 | 0 | 36,000 |
| Pretax income | 589,000 | 1,194,000 | 1,861,000 | 2,517,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 589,000 | 1,194,000 | 1,861,000 | 2,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,151,000 | 7,612,000 | 8,132,000 | 7,066,000 |
| Total capital | 7,698,000 | 8,159,000 | 8,679,000 | 7,644,000 |
| Risk-weighted assets | 62,217,000 | 60,315,000 | 61,851,000 | 63,864,000 |
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