Call reports 2004
VALLEY BANK AND TRUST CO. — 2004
What VALLEY BANK AND TRUST CO. 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 | 235,926,000 | 237,960,000 | 241,900,000 | 253,474,000 |
| Total loans | 176,651,000 | 181,110,000 | 185,252,000 | 195,210,000 |
| Allowance for loan losses | 3,087,000 | 2,816,000 | 2,937,000 | 2,944,000 |
| Securities available for sale | 33,973,000 | 32,488,000 | 32,956,000 | 30,649,000 |
| Securities held to maturity | 1,168,000 | 1,168,000 | 1,168,000 | 1,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,871,000 | 195,375,000 | 189,157,000 | 200,266,000 |
| Interest-bearing deposits | 165,680,000 | 170,786,000 | 165,355,000 | 171,806,000 |
| Noninterest-bearing deposits | 23,191,000 | 24,589,000 | 23,802,000 | 28,460,000 |
| Equity capital | 20,392,000 | 20,016,000 | 20,970,000 | 21,290,000 |
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 | 3,212,000 | 6,387,000 | 10,016,000 | 13,636,000 |
| Interest expense | 1,047,000 | 2,077,000 | 3,169,000 | 4,395,000 |
| Net interest income | 2,165,000 | 4,310,000 | 6,847,000 | 9,241,000 |
| Noninterest income | 481,000 | 979,000 | 1,352,000 | 1,865,000 |
| Noninterest expense | 1,752,000 | 3,518,000 | 5,274,000 | 7,208,000 |
| Provision for loan losses | 300,000 | 600,000 | 800,000 | 850,000 |
| Pretax income | 602,000 | 1,180,000 | 2,125,000 | 3,057,000 |
| Income tax | 202,000 | 402,000 | 708,000 | 1,032,000 |
| Net income | 400,000 | 778,000 | 1,417,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,728,000 | 17,987,000 | 18,554,000 | 18,978,000 |
| Total capital | 20,069,000 | 20,364,000 | 20,944,000 | 21,522,000 |
| Risk-weighted assets | 186,555,000 | 189,736,000 | 190,656,000 | 203,136,000 |