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 | 29,185,000 | 29,685,000 | 30,495,000 | 30,998,000 |
| Total loans | 22,068,000 | 21,562,000 | 22,644,000 | 23,576,000 |
| Allowance for loan losses | 169,000 | 173,000 | 166,000 | 170,000 |
| Securities available for sale | 5,128,000 | 4,840,000 | 5,322,000 | 5,296,000 |
| Securities held to maturity | 402,000 | 561,000 | 523,000 | 310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,033,000 | 22,476,000 | 22,859,000 | 22,716,000 |
| Interest-bearing deposits | 20,044,000 | 20,482,000 | 20,832,000 | 20,679,000 |
| Noninterest-bearing deposits | 1,989,000 | 1,994,000 | 2,027,000 | 2,037,000 |
| Equity capital | 2,239,000 | 2,320,000 | 2,379,000 | 2,453,000 |
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 | 388,000 | 789,000 | 1,211,000 | 1,645,000 |
| Interest expense | 181,000 | 372,000 | 578,000 | 795,000 |
| Net interest income | 207,000 | 417,000 | 633,000 | 850,000 |
| Noninterest income | 22,000 | 48,000 | 76,000 | 109,000 |
| Noninterest expense | 129,000 | 258,000 | 394,000 | 530,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 96,000 | 200,000 | 305,000 | 415,000 |
| Income tax | 34,000 | 71,000 | 108,000 | 148,000 |
| Net income | 62,000 | 129,000 | 197,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,279,000 | 2,347,000 | 2,414,000 | 2,485,000 |
| Total capital | 2,448,000 | 2,520,000 | 2,580,000 | 2,655,000 |
| Risk-weighted assets | 19,670,000 | 19,561,000 | 19,838,000 | 20,732,000 |
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