Call reports 2003
CENTRAL VALLEY BANK — 2003
What CENTRAL VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 91,930,000 | 89,635,000 | 94,875,000 | 100,652,000 |
| Total loans | 57,341,000 | 61,312,000 | 62,770,000 | 62,384,000 |
| Allowance for loan losses | 677,000 | 704,000 | 699,000 | 728,000 |
| Securities available for sale | 10,439,000 | 10,532,000 | 10,930,000 | 13,032,000 |
| Securities held to maturity | 295,000 | 295,000 | 295,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,477,000 | 82,169,000 | 87,307,000 | 92,839,000 |
| Interest-bearing deposits | 70,685,000 | 70,094,000 | 72,792,000 | 76,996,000 |
| Noninterest-bearing deposits | 13,792,000 | 12,075,000 | 14,515,000 | 15,843,000 |
| Equity capital | 6,969,000 | 7,124,000 | 7,214,000 | 7,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 2,906,000 | 4,320,000 | 5,775,000 |
| Interest expense | 352,000 | 666,000 | 968,000 | 1,269,000 |
| Net interest income | 1,140,000 | 2,240,000 | 3,352,000 | 4,506,000 |
| Noninterest income | 200,000 | 424,000 | 689,000 | 882,000 |
| Noninterest expense | 881,000 | 1,787,000 | 2,721,000 | 3,686,000 |
| Provision for loan losses | 45,000 | 75,000 | 105,000 | 135,000 |
| Pretax income | 414,000 | 802,000 | 1,215,000 | 1,567,000 |
| Income tax | 137,000 | 269,000 | 409,000 | 527,000 |
| Net income | 277,000 | 533,000 | 806,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,954,000 | 7,110,000 | 7,254,000 | 7,388,000 |
| Total capital | 7,631,000 | 7,814,000 | 7,953,000 | 8,116,000 |
| Risk-weighted assets | 60,623,000 | 62,121,000 | 65,402,000 | 62,629,000 |