Call reports 2006
VALLEY STATE BANK — 2006
What VALLEY STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Total assets | 97,575,000 | 99,061,000 |
| Total loans | 72,553,000 | 73,918,000 |
| Allowance for loan losses | 1,907,000 | 971,000 |
| Securities available for sale | 19,610,000 | 18,399,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 81,585,000 | 82,389,000 |
| Interest-bearing deposits | 71,474,000 | 72,698,000 |
| Noninterest-bearing deposits | 10,111,000 | 9,691,000 |
| Equity capital | 11,886,000 | 8,810,000 |
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 |
|---|---|---|
| Interest income | 1,634,000 | 3,348,000 |
| Interest expense | 559,000 | 1,169,000 |
| Net interest income | 1,075,000 | 2,179,000 |
| Noninterest income | 244,000 | 352,000 |
| Noninterest expense | 674,000 | 1,249,000 |
| Provision for loan losses | 120,000 | 240,000 |
| Pretax income | 525,000 | 1,042,000 |
| Income tax | 0 | 0 |
| Net income | 525,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 |
|---|---|---|
| Tier 1 capital | 12,021,000 | 9,041,000 |
| Total capital | 12,935,000 | 9,974,000 |
| Risk-weighted assets | 72,164,000 | 74,632,000 |