Call reports 2006
VALLEY BANK NATIONAL ASSOCIATION — 2006
What VALLEY BANK NATIONAL ASSOCIATION 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 | 67,365,000 | 68,527,000 | 69,391,000 | 74,010,000 |
| Total loans | 47,277,000 | 48,228,000 | 49,846,000 | 47,597,000 |
| Allowance for loan losses | 644,000 | 648,000 | 651,000 | 653,000 |
| Securities available for sale | 14,327,000 | 14,070,000 | 14,144,000 | 14,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,351,000 | 56,583,000 | 57,006,000 | 62,270,000 |
| Interest-bearing deposits | 47,124,000 | 46,738,000 | 47,579,000 | 51,504,000 |
| Noninterest-bearing deposits | 9,227,000 | 9,845,000 | 9,427,000 | 10,766,000 |
| Equity capital | 7,872,000 | 7,769,000 | 7,987,000 | 7,529,000 |
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 | 1,066,000 | 2,178,000 | 3,237,000 | 4,374,000 |
| Interest expense | 259,000 | 537,000 | 875,000 | 1,250,000 |
| Net interest income | 807,000 | 1,641,000 | 2,362,000 | 3,124,000 |
| Noninterest income | 177,000 | 332,000 | 584,000 | 754,000 |
| Noninterest expense | 684,000 | 1,455,000 | 2,167,000 | 2,872,000 |
| Provision for loan losses | -400,000 | -400,000 | -400,000 | -400,000 |
| Pretax income | 700,000 | 918,000 | 1,179,000 | 1,406,000 |
| Income tax | 11,000 | 23,000 | 33,000 | 44,000 |
| Net income | 689,000 | 895,000 | 1,146,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,349,000 | 8,355,000 | 8,381,000 | 7,847,000 |
| Total capital | 8,993,000 | 9,003,000 | 9,032,000 | 8,500,000 |
| Risk-weighted assets | 53,559,000 | 54,554,000 | 55,636,000 | 55,111,000 |