Call reports 2006
VALLEY COMMUNITY BANK — 2006
What VALLEY COMMUNITY 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 | 146,852,000 | 146,694,000 | 165,130,000 | 166,804,000 |
| Total loans | 113,063,000 | 116,436,000 | 131,428,000 | 132,688,000 |
| Allowance for loan losses | 1,613,000 | 1,698,000 | 1,774,000 | 1,855,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,143,000 | 19,181,000 | 16,375,000 | 13,941,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,518,000 | 113,607,000 | 140,177,000 | 141,090,000 |
| Interest-bearing deposits | 90,716,000 | 84,986,000 | 104,537,000 | 108,276,000 |
| Noninterest-bearing deposits | 28,802,000 | 28,621,000 | 35,640,000 | 32,814,000 |
| Equity capital | 15,719,000 | 16,242,000 | 16,853,000 | 17,443,000 |
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 | 2,594,000 | 5,383,000 | 8,476,000 | 11,804,000 |
| Interest expense | 650,000 | 1,463,000 | 2,410,000 | 3,511,000 |
| Net interest income | 1,944,000 | 3,920,000 | 6,066,000 | 8,293,000 |
| Noninterest income | 131,000 | 260,000 | 392,000 | 512,000 |
| Noninterest expense | 1,255,000 | 2,498,000 | 3,754,000 | 5,150,000 |
| Provision for loan losses | 45,000 | 130,000 | 205,000 | 305,000 |
| Pretax income | 775,000 | 1,552,000 | 2,499,000 | 3,350,000 |
| Income tax | 310,000 | 617,000 | 989,000 | 1,321,000 |
| Net income | 465,000 | 935,000 | 1,510,000 | 2,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,719,000 | 16,242,000 | 16,853,000 | 17,443,000 |
| Total capital | 17,291,000 | 17,858,000 | 18,627,000 | 19,267,000 |
| Risk-weighted assets | 125,660,000 | 129,139,000 | 145,377,000 | 145,845,000 |
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