Call reports 2004
CENTRAL VALLEY BANK — 2004
What CENTRAL VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 101,347,000 | 105,446,000 | 106,764,000 | 107,066,000 |
| Total loans | 63,527,000 | 65,588,000 | 68,681,000 | 71,698,000 |
| Allowance for loan losses | 749,000 | 779,000 | 807,000 | 822,000 |
| Securities available for sale | 10,842,000 | 16,050,000 | 18,434,000 | 18,352,000 |
| Securities held to maturity | 105,000 | 105,000 | 105,000 | 105,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,409,000 | 97,529,000 | 98,771,000 | 98,145,000 |
| Interest-bearing deposits | 78,633,000 | 80,490,000 | 81,212,000 | 79,182,000 |
| Noninterest-bearing deposits | 14,776,000 | 17,039,000 | 17,559,000 | 18,963,000 |
| Equity capital | 7,547,000 | 7,534,000 | 7,885,000 | 7,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 2,921,000 | 4,432,000 | 6,181,000 |
| Interest expense | 299,000 | 598,000 | 906,000 | 1,216,000 |
| Net interest income | 1,158,000 | 2,323,000 | 3,526,000 | 4,965,000 |
| Noninterest income | 208,000 | 451,000 | 683,000 | 807,000 |
| Noninterest expense | 953,000 | 1,988,000 | 2,995,000 | 4,037,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 105,000 |
| Pretax income | 383,000 | 726,000 | 1,124,000 | 1,630,000 |
| Income tax | 127,000 | 244,000 | 379,000 | 549,000 |
| Net income | 256,000 | 482,000 | 745,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,544,000 | 7,657,000 | 7,922,000 | 8,052,000 |
| Total capital | 8,293,000 | 8,436,000 | 8,729,000 | 8,874,000 |
| Risk-weighted assets | 63,962,000 | 66,330,000 | 69,198,000 | 72,311,000 |