Call reports 2004
UNITED VALLEY BANK — 2004
What UNITED 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 | 81,645,000 | 83,453,000 | 88,776,000 | 88,568,000 |
| Total loans | 66,653,000 | 66,511,000 | 72,792,000 | 72,089,000 |
| Allowance for loan losses | 1,160,000 | 1,193,000 | 1,185,000 | 1,216,000 |
| Securities available for sale | 9,531,000 | 8,816,000 | 10,328,000 | 9,357,000 |
| Securities held to maturity | 1,863,000 | 1,831,000 | 1,870,000 | 2,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,477,000 | 73,294,000 | 73,966,000 | 76,620,000 |
| Interest-bearing deposits | 63,002,000 | 65,730,000 | 66,085,000 | 67,454,000 |
| Noninterest-bearing deposits | 7,475,000 | 7,564,000 | 7,881,000 | 9,166,000 |
| Equity capital | 7,359,000 | 7,215,000 | 7,507,000 | 7,630,000 |
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 | 1,130,000 | 2,269,000 | 3,472,000 | 4,747,000 |
| Interest expense | 268,000 | 539,000 | 833,000 | 1,162,000 |
| Net interest income | 862,000 | 1,730,000 | 2,639,000 | 3,585,000 |
| Noninterest income | 83,000 | 194,000 | 291,000 | 396,000 |
| Noninterest expense | 611,000 | 1,248,000 | 1,886,000 | 2,679,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 304,000 | 616,000 | 954,000 | 1,182,000 |
| Income tax | 21,000 | 43,000 | 67,000 | 84,000 |
| Net income | 283,000 | 573,000 | 887,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,218,000 | 7,227,000 | 7,441,000 | 7,612,000 |
| Total capital | 8,074,000 | 8,076,000 | 8,361,000 | 8,523,000 |
| Risk-weighted assets | 68,187,000 | 67,542,000 | 73,360,000 | 72,595,000 |