Call reports 2005
VALLANT BANK — 2005
What VALLANT 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 | 382,085,000 | 380,459,000 | 385,583,000 | 389,606,000 |
| Total loans | 268,952,000 | 273,858,000 | 285,648,000 | 294,444,000 |
| Allowance for loan losses | 3,484,000 | 3,726,000 | 3,877,000 | 3,993,000 |
| Securities available for sale | 77,582,000 | 75,478,000 | 66,599,000 | 63,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,024,000 | 305,862,000 | 310,820,000 | 313,653,000 |
| Interest-bearing deposits | 245,401,000 | 242,466,000 | 243,530,000 | 251,287,000 |
| Noninterest-bearing deposits | 64,623,000 | 63,396,000 | 67,290,000 | 62,366,000 |
| Equity capital | 46,561,000 | 48,091,000 | 48,651,000 | 49,506,000 |
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 | 5,425,000 | 11,152,000 | 17,156,000 | 23,594,000 |
| Interest expense | 1,176,000 | 2,520,000 | 4,042,000 | 5,772,000 |
| Net interest income | 4,249,000 | 8,632,000 | 13,114,000 | 17,822,000 |
| Noninterest income | 1,199,000 | 2,564,000 | 3,852,000 | 5,124,000 |
| Noninterest expense | 2,824,000 | 5,669,000 | 8,512,000 | 11,447,000 |
| Provision for loan losses | 270,000 | 585,000 | 900,000 | 1,215,000 |
| Pretax income | 2,354,000 | 4,942,000 | 7,559,000 | 10,274,000 |
| Income tax | 0 | 0 | 45,000 | 58,000 |
| Net income | 2,354,000 | 4,942,000 | 7,514,000 | 10,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,734,000 | 46,887,000 | 47,865,000 | 49,361,000 |
| Total capital | 49,218,000 | 50,593,000 | 51,742,000 | 53,258,000 |
| Risk-weighted assets | 291,352,000 | 296,437,000 | 326,934,000 | 311,649,000 |
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