Call reports 2004
MISSION VALLEY BANK — 2004
What MISSION VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 93,431,000 | 94,556,000 | 103,030,000 | 106,290,000 |
| Total loans | 58,604,000 | 59,696,000 | 73,097,000 | 79,199,000 |
| Allowance for loan losses | 696,000 | 782,000 | 892,000 | 976,000 |
| Securities available for sale | 12,241,000 | 17,283,000 | 12,055,000 | 11,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,820,000 | 85,067,000 | 93,238,000 | 95,230,000 |
| Interest-bearing deposits | 60,592,000 | 59,332,000 | 66,747,000 | 67,838,000 |
| Noninterest-bearing deposits | 23,229,000 | 25,734,000 | 26,491,000 | 27,392,000 |
| Equity capital | 9,410,000 | 9,306,000 | 9,604,000 | 9,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,077,000 | 2,245,000 | 3,521,000 | 4,931,000 |
| Interest expense | 232,000 | 499,000 | 790,000 | 1,111,000 |
| Net interest income | 845,000 | 1,746,000 | 2,731,000 | 3,820,000 |
| Noninterest income | 267,000 | 582,000 | 887,000 | 1,213,000 |
| Noninterest expense | 803,000 | 1,739,000 | 2,771,000 | 3,966,000 |
| Provision for loan losses | 127,000 | 213,000 | 316,000 | 400,000 |
| Pretax income | 215,000 | 409,000 | 571,000 | 707,000 |
| Income tax | 45,000 | 93,000 | 143,000 | 265,000 |
| Net income | 170,000 | 316,000 | 428,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,335,000 | 9,451,000 | 9,592,000 | 9,610,000 |
| Total capital | 10,054,000 | 10,256,000 | 10,510,000 | 10,614,000 |
| Risk-weighted assets | 72,293,000 | 73,981,000 | 86,107,000 | 92,550,000 |
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