Call reports 2005
VALLEY COMMUNITY BANK — 2005
What VALLEY COMMUNITY 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 | 137,775,000 | 139,630,000 | 148,786,000 | 144,232,000 |
| Total loans | 104,642,000 | 107,012,000 | 105,370,000 | 107,542,000 |
| Allowance for loan losses | 1,361,000 | 1,416,000 | 1,461,000 | 1,473,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,790,000 | 21,467,000 | 21,103,000 | 20,835,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,495,000 | 115,116,000 | 123,635,000 | 121,777,000 |
| Interest-bearing deposits | 89,933,000 | 81,274,000 | 89,524,000 | 92,275,000 |
| Noninterest-bearing deposits | 24,562,000 | 33,842,000 | 34,111,000 | 29,502,000 |
| Equity capital | 13,599,000 | 14,129,000 | 14,619,000 | 15,170,000 |
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 | 2,014,000 | 4,231,000 | 6,605,000 | 9,128,000 |
| Interest expense | 412,000 | 859,000 | 1,433,000 | 2,075,000 |
| Net interest income | 1,602,000 | 3,372,000 | 5,172,000 | 7,053,000 |
| Noninterest income | 166,000 | 327,000 | 457,000 | 828,000 |
| Noninterest expense | 1,100,000 | 2,179,000 | 3,294,000 | 4,550,000 |
| Provision for loan losses | 35,000 | 90,000 | 135,000 | 242,000 |
| Pretax income | 633,000 | 1,430,000 | 2,200,000 | 3,089,000 |
| Income tax | 250,000 | 567,000 | 867,000 | 1,219,000 |
| Net income | 383,000 | 863,000 | 1,333,000 | 1,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,599,000 | 14,129,000 | 14,619,000 | 15,170,000 |
| Total capital | 14,995,000 | 15,580,000 | 16,080,000 | 16,643,000 |
| Risk-weighted assets | 115,020,000 | 116,378,000 | 117,329,000 | 119,423,000 |
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