Call reports 2005
VALLEY BANK AND TRUST CO. — 2005
What VALLEY BANK AND TRUST CO. 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 | 254,758,000 | 266,971,000 | 272,817,000 | 282,154,000 |
| Total loans | 199,047,000 | 208,839,000 | 211,432,000 | 217,887,000 |
| Allowance for loan losses | 3,085,000 | 2,879,000 | 2,736,000 | 2,798,000 |
| Securities available for sale | 30,931,000 | 34,393,000 | 33,755,000 | 35,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,994,000 | 205,454,000 | 213,953,000 | 230,288,000 |
| Interest-bearing deposits | 173,695,000 | 181,491,000 | 186,427,000 | 200,742,000 |
| Noninterest-bearing deposits | 25,299,000 | 23,963,000 | 27,526,000 | 29,546,000 |
| Equity capital | 21,365,000 | 22,039,000 | 22,327,000 | 22,553,000 |
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 | 3,678,000 | 7,620,000 | 11,855,000 | 16,293,000 |
| Interest expense | 1,307,000 | 2,813,000 | 4,564,000 | 6,489,000 |
| Net interest income | 2,371,000 | 4,807,000 | 7,291,000 | 9,804,000 |
| Noninterest income | 476,000 | 975,000 | 1,552,000 | 2,110,000 |
| Noninterest expense | 1,813,000 | 3,628,000 | 5,574,000 | 7,807,000 |
| Provision for loan losses | 150,000 | 550,000 | 700,000 | 800,000 |
| Pretax income | 884,000 | 1,604,000 | 2,569,000 | 3,307,000 |
| Income tax | 305,000 | 554,000 | 862,000 | 1,104,000 |
| Net income | 579,000 | 1,050,000 | 1,707,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,556,000 | 19,638,000 | 20,151,000 | 20,706,000 |
| Total capital | 22,150,000 | 22,350,000 | 22,877,000 | 23,504,000 |
| Risk-weighted assets | 207,062,000 | 216,829,000 | 218,105,000 | 226,472,000 |