Call reports 2006
VALLEY BANK AND TRUST CO. — 2006
What VALLEY BANK AND TRUST CO. 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 | 276,520,000 | 279,761,000 | 293,420,000 | 286,655,000 |
| Total loans | 215,984,000 | 219,478,000 | 225,503,000 | 224,118,000 |
| Allowance for loan losses | 2,926,000 | 3,005,000 | 3,074,000 | 3,073,000 |
| Securities available for sale | 34,688,000 | 34,154,000 | 36,127,000 | 35,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,176,000 | 221,097,000 | 225,122,000 | 249,065,000 |
| Interest-bearing deposits | 199,699,000 | 193,831,000 | 195,198,000 | 219,127,000 |
| Noninterest-bearing deposits | 27,477,000 | 27,266,000 | 29,924,000 | 29,938,000 |
| Equity capital | 22,664,000 | 22,790,000 | 23,441,000 | 23,294,000 |
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 | 4,464,000 | 9,104,000 | 13,959,000 | 18,941,000 |
| Interest expense | 2,024,000 | 4,225,000 | 6,665,000 | 9,217,000 |
| Net interest income | 2,440,000 | 4,879,000 | 7,294,000 | 9,724,000 |
| Noninterest income | 566,000 | 1,163,000 | 1,795,000 | 2,403,000 |
| Noninterest expense | 2,159,000 | 4,301,000 | 6,501,000 | 9,425,000 |
| Provision for loan losses | 130,000 | 230,000 | 330,000 | 330,000 |
| Pretax income | 717,000 | 1,511,000 | 2,258,000 | 2,372,000 |
| Income tax | 237,000 | 507,000 | 734,000 | 757,000 |
| Net income | 480,000 | 1,004,000 | 1,524,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,869,000 | 21,244,000 | 21,298,000 | 21,086,000 |
| Total capital | 23,678,000 | 24,162,000 | 24,267,000 | 24,033,000 |
| Risk-weighted assets | 224,591,000 | 233,755,000 | 237,425,000 | 235,621,000 |