Call reports 2004
DIABLO VALLEY BANK — 2004
What DIABLO VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 74,401,000 | 83,376,000 | 113,870,000 | 126,249,000 |
| Total loans | 25,903,000 | 44,352,000 | 71,142,000 | 93,086,000 |
| Allowance for loan losses | 180,000 | 339,000 | 539,000 | 750,000 |
| Securities available for sale | 15,584,000 | 15,023,000 | 12,807,000 | 9,688,000 |
| Securities held to maturity | 0 | 3,992,000 | 3,994,000 | 3,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,936,000 | 69,651,000 | 100,572,000 | 108,054,000 |
| Interest-bearing deposits | 50,751,000 | 56,298,000 | 76,102,000 | 84,664,000 |
| Noninterest-bearing deposits | 9,185,000 | 13,353,000 | 24,470,000 | 23,390,000 |
| Equity capital | 14,368,000 | 13,625,000 | 13,177,000 | 12,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 909,000 | 1,815,000 | 3,211,000 |
| Interest expense | 121,000 | 268,000 | 448,000 | 705,000 |
| Net interest income | 209,000 | 641,000 | 1,367,000 | 2,506,000 |
| Noninterest income | 10,000 | 7,000 | 14,000 | 33,000 |
| Noninterest expense | 917,000 | 1,836,000 | 2,835,000 | 3,961,000 |
| Provision for loan losses | 110,000 | 269,000 | 469,000 | 680,000 |
| Pretax income | -808,000 | -1,457,000 | -1,923,000 | -2,102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -808,000 | -1,457,000 | -1,923,000 | -2,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,313,000 | 13,664,000 | 13,198,000 | 13,029,000 |
| Total capital | 14,493,000 | 14,003,000 | 13,737,000 | 13,779,000 |
| Risk-weighted assets | 39,666,000 | 61,108,000 | 90,717,000 | 115,666,000 |