Call reports 2005
VALLEY STATE BANK — 2005
What VALLEY STATE 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 | 118,846,000 | 122,324,000 | 122,907,000 | 128,819,000 |
| Total loans | 50,795,000 | 51,206,000 | 54,494,000 | 50,854,000 |
| Allowance for loan losses | 390,000 | 423,000 | 435,000 | 409,000 |
| Securities available for sale | 61,787,000 | 62,064,000 | 57,550,000 | 66,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,808,000 | 108,052,000 | 108,737,000 | 114,883,000 |
| Interest-bearing deposits | 99,804,000 | 103,353,000 | 103,630,000 | 109,010,000 |
| Noninterest-bearing deposits | 5,004,000 | 4,699,000 | 5,107,000 | 5,873,000 |
| Equity capital | 13,567,000 | 13,915,000 | 13,807,000 | 13,508,000 |
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 | 1,492,000 | 3,028,000 | 4,645,000 | 6,337,000 |
| Interest expense | 705,000 | 1,483,000 | 2,362,000 | 3,352,000 |
| Net interest income | 787,000 | 1,545,000 | 2,283,000 | 2,985,000 |
| Noninterest income | 57,000 | 112,000 | 168,000 | 218,000 |
| Noninterest expense | 475,000 | 1,334,000 | 1,826,000 | 2,386,000 |
| Provision for loan losses | 30,000 | 60,000 | 115,000 | 165,000 |
| Pretax income | 362,000 | 381,000 | 670,000 | 812,000 |
| Income tax | 68,000 | 35,000 | 89,000 | 153,000 |
| Net income | 294,000 | 346,000 | 581,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,035,000 | 14,087,000 | 14,322,000 | 14,399,000 |
| Total capital | 14,425,000 | 14,510,000 | 14,757,000 | 14,808,000 |
| Risk-weighted assets | 69,436,000 | 70,000,000 | 71,442,000 | 68,860,000 |