Call reports 2005
UNITED VALLEY BANK — 2005
What UNITED 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 | 92,385,000 | 93,269,000 | 98,145,000 | 98,525,000 |
| Total loans | 76,861,000 | 78,622,000 | 82,026,000 | 80,803,000 |
| Allowance for loan losses | 1,231,000 | 1,244,000 | 1,323,000 | 1,272,000 |
| Securities available for sale | 8,936,000 | 8,584,000 | 8,148,000 | 8,260,000 |
| Securities held to maturity | 2,735,000 | 2,537,000 | 3,623,000 | 3,727,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,769,000 | 78,393,000 | 81,022,000 | 84,345,000 |
| Interest-bearing deposits | 67,603,000 | 69,450,000 | 71,537,000 | 70,579,000 |
| Noninterest-bearing deposits | 8,166,000 | 8,943,000 | 9,485,000 | 13,766,000 |
| Equity capital | 7,573,000 | 7,774,000 | 7,827,000 | 7,902,000 |
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 | 1,272,000 | 2,681,000 | 4,235,000 | 5,838,000 |
| Interest expense | 364,000 | 797,000 | 1,328,000 | 1,915,000 |
| Net interest income | 908,000 | 1,884,000 | 2,907,000 | 3,923,000 |
| Noninterest income | 89,000 | 185,000 | 294,000 | 381,000 |
| Noninterest expense | 639,000 | 1,305,000 | 1,990,000 | 2,819,000 |
| Provision for loan losses | 20,000 | 50,000 | 140,000 | 170,000 |
| Pretax income | 338,000 | 714,000 | 1,071,000 | 1,315,000 |
| Income tax | 24,000 | 50,000 | 75,000 | 92,000 |
| Net income | 314,000 | 664,000 | 996,000 | 1,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,626,000 | 7,801,000 | 7,873,000 | 7,999,000 |
| Total capital | 8,606,000 | 8,812,000 | 8,924,000 | 9,040,000 |
| Risk-weighted assets | 78,188,000 | 80,653,000 | 83,844,000 | 83,019,000 |