Call reports 2005
CENTRAL VALLEY BANK — 2005
What CENTRAL VALLEY BANK 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 | 103,532,000 | 109,587,000 | 108,759,000 | 110,022,000 |
| Total loans | 74,126,000 | 80,553,000 | 80,214,000 | 82,027,000 |
| Allowance for loan losses | 749,000 | 784,000 | 814,000 | 818,000 |
| Securities available for sale | 19,113,000 | 17,987,000 | 17,008,000 | 16,630,000 |
| Securities held to maturity | 105,000 | 876,000 | 856,000 | 1,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,618,000 | 94,465,000 | 99,458,000 | 100,293,000 |
| Interest-bearing deposits | 77,716,000 | 75,888,000 | 81,338,000 | 81,129,000 |
| Noninterest-bearing deposits | 16,902,000 | 18,577,000 | 18,120,000 | 19,164,000 |
| Equity capital | 8,295,000 | 8,524,000 | 8,758,000 | 9,086,000 |
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 | 1,703,000 | 3,504,000 | 5,335,000 | 7,294,000 |
| Interest expense | 317,000 | 686,000 | 1,135,000 | 1,671,000 |
| Net interest income | 1,386,000 | 2,818,000 | 4,200,000 | 5,623,000 |
| Noninterest income | 198,000 | 429,000 | 672,000 | 911,000 |
| Noninterest expense | 992,000 | 2,043,000 | 3,073,000 | 4,131,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 120,000 |
| Pretax income | 577,000 | 1,159,000 | 1,724,000 | 2,283,000 |
| Income tax | 193,000 | 391,000 | 583,000 | 779,000 |
| Net income | 384,000 | 768,000 | 1,141,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,425,000 | 8,593,000 | 8,851,000 | 9,205,000 |
| Total capital | 9,174,000 | 9,377,000 | 9,665,000 | 10,023,000 |
| Risk-weighted assets | 71,240,000 | 74,865,000 | 74,992,000 | 82,882,000 |