Call reports 2004
VALLEY COMMUNITY BANK — 2004
What VALLEY COMMUNITY 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 | 115,188,000 | 119,196,000 | 132,113,000 | 131,494,000 |
| Total loans | 85,715,000 | 90,731,000 | 94,149,000 | 101,533,000 |
| Allowance for loan losses | 1,223,000 | 1,244,000 | 1,296,000 | 1,326,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,839,000 | 17,970,000 | 17,580,000 | 20,072,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,578,000 | 97,094,000 | 109,680,000 | 111,451,000 |
| Interest-bearing deposits | 77,635,000 | 74,181,000 | 82,936,000 | 87,721,000 |
| Noninterest-bearing deposits | 18,943,000 | 22,912,000 | 26,744,000 | 23,730,000 |
| Equity capital | 12,082,000 | 12,400,000 | 12,765,000 | 13,214,000 |
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 | 1,496,000 | 3,027,000 | 4,750,000 | 6,663,000 |
| Interest expense | 281,000 | 551,000 | 860,000 | 1,204,000 |
| Net interest income | 1,215,000 | 2,476,000 | 3,890,000 | 5,459,000 |
| Noninterest income | 210,000 | 350,000 | 528,000 | 840,000 |
| Noninterest expense | 1,001,000 | 2,018,000 | 3,004,000 | 4,112,000 |
| Provision for loan losses | 25,000 | 45,000 | 97,000 | 127,000 |
| Pretax income | 399,000 | 763,000 | 1,317,000 | 2,060,000 |
| Income tax | 154,000 | 299,000 | 515,000 | 808,000 |
| Net income | 245,000 | 464,000 | 802,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,082,000 | 12,400,000 | 12,765,000 | 13,214,000 |
| Total capital | 13,261,000 | 13,628,000 | 14,067,000 | 14,560,000 |
| Risk-weighted assets | 93,936,000 | 98,149,000 | 103,950,000 | 111,158,000 |