Call reports 2004
VALLANT BANK — 2004
What VALLANT 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 | 371,208,000 | 373,451,000 | 369,903,000 | 373,293,000 |
| Total loans | 242,623,000 | 249,805,000 | 254,746,000 | 263,835,000 |
| Allowance for loan losses | 2,644,000 | 2,779,000 | 3,098,000 | 3,337,000 |
| Securities available for sale | 94,606,000 | 89,230,000 | 81,628,000 | 78,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,714,000 | 301,955,000 | 296,295,000 | 294,475,000 |
| Interest-bearing deposits | 242,568,000 | 239,170,000 | 234,795,000 | 233,581,000 |
| Noninterest-bearing deposits | 59,146,000 | 62,785,000 | 61,500,000 | 60,894,000 |
| Equity capital | 45,978,000 | 44,327,000 | 46,384,000 | 46,740,000 |
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 | 4,962,000 | 9,941,000 | 15,004,000 | 20,266,000 |
| Interest expense | 1,053,000 | 2,081,000 | 3,123,000 | 4,191,000 |
| Net interest income | 3,909,000 | 7,860,000 | 11,881,000 | 16,075,000 |
| Noninterest income | 1,115,000 | 2,428,000 | 3,717,000 | 5,093,000 |
| Noninterest expense | 2,626,000 | 5,362,000 | 8,013,000 | 10,930,000 |
| Provision for loan losses | 225,000 | 505,000 | 885,000 | 1,290,000 |
| Pretax income | 2,173,000 | 4,421,000 | 6,701,000 | 8,949,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,173,000 | 4,421,000 | 6,701,000 | 8,949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,986,000 | 42,914,000 | 43,783,000 | 44,758,000 |
| Total capital | 44,630,000 | 45,693,000 | 46,881,000 | 48,095,000 |
| Risk-weighted assets | 278,860,000 | 285,184,000 | 290,090,000 | 295,077,000 |
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