Call reports 2006
VALLEY EXCHANGE BANK — 2006
What VALLEY EXCHANGE BANK 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 | 52,399,000 | 52,024,000 | 51,109,000 | 53,744,000 |
| Total loans | 31,702,000 | 31,723,000 | 32,895,000 | 32,316,000 |
| Allowance for loan losses | 356,000 | 355,000 | 375,000 | 372,000 |
| Securities available for sale | 1,994,000 | 4,478,000 | 3,445,000 | 2,984,000 |
| Securities held to maturity | 15,047,000 | 11,597,000 | 10,550,000 | 13,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,363,000 | 42,822,000 | 41,665,000 | 44,440,000 |
| Interest-bearing deposits | 37,793,000 | 36,558,000 | 35,709,000 | 37,146,000 |
| Noninterest-bearing deposits | 5,570,000 | 6,264,000 | 5,956,000 | 7,294,000 |
| Equity capital | 8,722,000 | 8,925,000 | 9,044,000 | 8,997,000 |
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 | 801,000 | 1,612,000 | 2,476,000 | 3,350,000 |
| Interest expense | 200,000 | 400,000 | 608,000 | 843,000 |
| Net interest income | 601,000 | 1,212,000 | 1,868,000 | 2,507,000 |
| Noninterest income | 60,000 | 123,000 | 192,000 | 245,000 |
| Noninterest expense | 360,000 | 714,000 | 1,125,000 | 1,622,000 |
| Provision for loan losses | 0 | 0 | 129,000 | 129,000 |
| Pretax income | 301,000 | 621,000 | 806,000 | 1,001,000 |
| Income tax | 110,000 | 227,000 | 295,000 | 335,000 |
| Net income | 191,000 | 394,000 | 511,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,698,000 | 8,901,000 | 9,018,000 | 8,973,000 |
| Total capital | 9,054,000 | 9,256,000 | 9,393,000 | 9,345,000 |
| Risk-weighted assets | 31,189,000 | 31,417,000 | 32,875,000 | 32,810,000 |