Call reports 2005
VALLEY BANK NATIONAL ASSOCIATION — 2005
What VALLEY BANK NATIONAL ASSOCIATION 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 | 67,795,000 | 69,179,000 | 69,147,000 | 71,176,000 |
| Total loans | 47,033,000 | 48,354,000 | 49,187,000 | 49,671,000 |
| Allowance for loan losses | 1,124,000 | 1,010,000 | 1,039,000 | 1,041,000 |
| Securities available for sale | 15,764,000 | 15,021,000 | 14,653,000 | 14,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,490,000 | 56,575,000 | 57,119,000 | 58,301,000 |
| Interest-bearing deposits | 49,483,000 | 46,793,000 | 46,960,000 | 47,046,000 |
| Noninterest-bearing deposits | 10,007,000 | 9,782,000 | 10,159,000 | 11,255,000 |
| Equity capital | 8,090,000 | 7,996,000 | 8,274,000 | 7,694,000 |
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 | 967,000 | 1,970,000 | 2,956,000 | 4,004,000 |
| Interest expense | 150,000 | 335,000 | 554,000 | 789,000 |
| Net interest income | 817,000 | 1,635,000 | 2,402,000 | 3,215,000 |
| Noninterest income | 119,000 | 230,000 | 635,000 | 801,000 |
| Noninterest expense | 612,000 | 1,334,000 | 2,086,000 | 2,937,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 324,000 | 513,000 | 933,000 | 1,061,000 |
| Income tax | 18,000 | 23,000 | 42,000 | 48,000 |
| Net income | 306,000 | 490,000 | 891,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,512,000 | 8,212,000 | 8,612,000 | 8,135,000 |
| Total capital | 9,186,000 | 8,893,000 | 9,298,000 | 8,840,000 |
| Risk-weighted assets | 53,443,000 | 54,142,000 | 54,546,000 | 56,063,000 |