Call reports 2005
DIABLO VALLEY BANK — 2005
What DIABLO VALLEY 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 | 151,416,000 | 165,785,000 | 186,052,000 | 192,692,000 |
| Total loans | 104,219,000 | 116,730,000 | 133,125,000 | 146,068,000 |
| Allowance for loan losses | 875,000 | 1,055,000 | 1,369,000 | 1,925,000 |
| Securities available for sale | 8,777,000 | 7,271,000 | 7,831,000 | 7,123,000 |
| Securities held to maturity | 7,991,000 | 7,993,000 | 8,491,000 | 7,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,032,000 | 140,555,000 | 165,250,000 | 165,537,000 |
| Interest-bearing deposits | 113,159,000 | 109,733,000 | 124,560,000 | 125,434,000 |
| Noninterest-bearing deposits | 24,873,000 | 30,822,000 | 40,690,000 | 40,104,000 |
| Equity capital | 13,195,000 | 20,065,000 | 20,492,000 | 21,715,000 |
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 | 1,754,000 | 3,850,000 | 6,448,000 | 9,551,000 |
| Interest expense | 391,000 | 865,000 | 1,496,000 | 2,233,000 |
| Net interest income | 1,363,000 | 2,985,000 | 4,952,000 | 7,318,000 |
| Noninterest income | 11,000 | 27,000 | 59,000 | 86,000 |
| Noninterest expense | 1,030,000 | 2,176,000 | 3,336,000 | 4,754,000 |
| Provision for loan losses | 125,000 | 305,000 | 619,000 | 1,175,000 |
| Pretax income | 219,000 | 531,000 | 1,056,000 | 1,475,000 |
| Income tax | 0 | 0 | 0 | -878,000 |
| Net income | 219,000 | 531,000 | 1,056,000 | 2,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,270,000 | 20,113,000 | 20,545,000 | 21,732,000 |
| Total capital | 14,145,000 | 21,168,000 | 21,914,000 | 23,657,000 |
| Risk-weighted assets | 124,530,000 | 142,243,000 | 151,420,000 | 165,890,000 |