Call reports 2006
CENTRAL VALLEY BANK — 2006
What CENTRAL VALLEY 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 | 112,398,000 | 118,802,000 | 116,682,000 | 116,727,000 |
| Total loans | 85,749,000 | 93,650,000 | 92,175,000 | 93,428,000 |
| Allowance for loan losses | 878,000 | 937,000 | 929,000 | 989,000 |
| Securities available for sale | 16,396,000 | 14,636,000 | 14,580,000 | 13,517,000 |
| Securities held to maturity | 1,163,000 | 1,103,000 | 1,046,000 | 995,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,675,000 | 104,863,000 | 101,386,000 | 102,409,000 |
| Interest-bearing deposits | 80,331,000 | 83,554,000 | 81,501,000 | 82,266,000 |
| Noninterest-bearing deposits | 20,344,000 | 21,309,000 | 19,885,000 | 20,143,000 |
| Equity capital | 9,328,000 | 9,688,000 | 10,135,000 | 10,438,000 |
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 | 2,063,000 | 4,267,000 | 6,552,000 | 8,868,000 |
| Interest expense | 556,000 | 1,192,000 | 1,891,000 | 2,652,000 |
| Net interest income | 1,507,000 | 3,075,000 | 4,661,000 | 6,216,000 |
| Noninterest income | 232,000 | 494,000 | 737,000 | 970,000 |
| Noninterest expense | 1,013,000 | 2,054,000 | 3,087,000 | 4,142,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 666,000 | 1,395,000 | 2,131,000 | 2,804,000 |
| Income tax | 225,000 | 475,000 | 729,000 | 963,000 |
| Net income | 441,000 | 920,000 | 1,402,000 | 1,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,438,000 | 9,809,000 | 10,207,000 | 10,497,000 |
| Total capital | 10,316,000 | 10,746,000 | 11,136,000 | 11,486,000 |
| Risk-weighted assets | 81,653,000 | 85,909,000 | 84,653,000 | 85,791,000 |