Call reports 2005
VALLEY STATE BANK — 2005
What VALLEY STATE 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 | 101,250,000 | 101,137,000 | 103,506,000 | 99,916,000 |
| Total loans | 74,359,000 | 74,683,000 | 76,326,000 | 73,900,000 |
| Allowance for loan losses | 2,162,000 | 2,234,000 | 2,332,000 | 1,781,000 |
| Securities available for sale | 22,460,000 | 21,723,000 | 21,881,000 | 19,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,485,000 | 78,788,000 | 79,519,000 | 81,403,000 |
| Interest-bearing deposits | 69,286,000 | 70,346,000 | 69,384,000 | 70,579,000 |
| Noninterest-bearing deposits | 9,199,000 | 8,442,000 | 10,135,000 | 10,824,000 |
| Equity capital | 11,775,000 | 11,290,000 | 11,780,000 | 11,376,000 |
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 | 1,541,000 | 3,060,000 | 4,690,000 | 6,325,000 |
| Interest expense | 425,000 | 905,000 | 1,424,000 | 1,994,000 |
| Net interest income | 1,116,000 | 2,155,000 | 3,266,000 | 4,331,000 |
| Noninterest income | 113,000 | 268,000 | 452,000 | 566,000 |
| Noninterest expense | 598,000 | 1,202,000 | 1,799,000 | 3,099,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 511,000 | 982,000 | 1,560,000 | 1,319,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 511,000 | 982,000 | 1,560,000 | 1,319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,781,000 | 11,154,000 | 11,733,000 | 11,495,000 |
| Total capital | 12,713,000 | 12,091,000 | 12,699,000 | 12,426,000 |
| Risk-weighted assets | 73,300,000 | 73,640,000 | 75,874,000 | 73,645,000 |