Call reports 2006
UNITED VALLEY BANK — 2006
What UNITED VALLEY 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 | 99,354,000 | 106,225,000 | 131,992,000 | 131,577,000 |
| Total loans | 82,506,000 | 88,922,000 | 109,585,000 | 106,141,000 |
| Allowance for loan losses | 1,301,000 | 1,317,000 | 1,690,000 | 1,737,000 |
| Securities available for sale | 7,508,000 | 6,734,000 | 9,262,000 | 8,584,000 |
| Securities held to maturity | 5,400,000 | 5,486,000 | 6,712,000 | 8,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,400,000 | 85,606,000 | 108,001,000 | 114,011,000 |
| Interest-bearing deposits | 72,841,000 | 75,770,000 | 93,385,000 | 95,801,000 |
| Noninterest-bearing deposits | 9,559,000 | 9,836,000 | 14,616,000 | 18,210,000 |
| Equity capital | 7,878,000 | 8,213,000 | 10,522,000 | 10,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,627,000 | 3,432,000 | 6,398,000 | 8,816,000 |
| Interest expense | 645,000 | 1,413,000 | 2,639,000 | 3,713,000 |
| Net interest income | 982,000 | 2,019,000 | 3,759,000 | 5,103,000 |
| Noninterest income | 98,000 | 179,000 | 361,000 | 507,000 |
| Noninterest expense | 708,000 | 1,436,000 | 2,631,000 | 3,702,000 |
| Provision for loan losses | 20,000 | 50,000 | 169,000 | 274,000 |
| Pretax income | 352,000 | 712,000 | 1,320,000 | 1,634,000 |
| Income tax | 24,000 | 50,000 | 77,000 | 94,000 |
| Net income | 328,000 | 662,000 | 1,243,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,977,000 | 8,337,000 | 10,648,000 | 10,795,000 |
| Total capital | 9,037,000 | 9,468,000 | 12,072,000 | 12,193,000 |
| Risk-weighted assets | 84,528,000 | 90,269,000 | 113,670,000 | 111,503,000 |