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 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 32,417,000 | 32,792,000 | 33,994,000 | 34,550,000 |
| Total loans | 24,796,000 | 25,996,000 | 26,369,000 | 25,725,000 |
| Allowance for loan losses | 179,000 | 182,000 | 187,000 | 190,000 |
| Securities available for sale | 5,393,000 | 5,068,000 | 5,294,000 | 5,889,000 |
| Securities held to maturity | 307,000 | 302,000 | 299,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,947,000 | 24,205,000 | 25,397,000 | 25,926,000 |
| Interest-bearing deposits | 21,603,000 | 21,938,000 | 23,520,000 | 23,633,000 |
| Noninterest-bearing deposits | 2,344,000 | 2,267,000 | 1,877,000 | 2,293,000 |
| Equity capital | 2,462,000 | 2,461,000 | 2,481,000 | 2,491,000 |
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 | 451,000 | 937,000 | 1,467,000 | 2,012,000 |
| Interest expense | 230,000 | 488,000 | 776,000 | 1,077,000 |
| Net interest income | 221,000 | 449,000 | 691,000 | 935,000 |
| Noninterest income | 30,000 | 75,000 | 108,000 | 155,000 |
| Noninterest expense | 140,000 | 294,000 | 444,000 | 602,000 |
| Provision for loan losses | 3,000 | 6,000 | 11,000 | 14,000 |
| Pretax income | 108,000 | 224,000 | 344,000 | 474,000 |
| Income tax | 39,000 | 81,000 | 125,000 | 173,000 |
| Net income | 69,000 | 143,000 | 219,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,494,000 | 2,497,000 | 2,498,000 | 2,501,000 |
| Total capital | 2,673,000 | 2,679,000 | 2,685,000 | 2,691,000 |
| Risk-weighted assets | 22,071,000 | 23,015,000 | 23,308,000 | 22,951,000 |
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