Call reports 2004
MID-VALLEY BANK — 2004
What MID-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 | 80,401,000 | 86,983,000 | 88,934,000 | 86,673,000 |
| Total loans | 58,728,000 | 59,660,000 | 60,704,000 | 61,097,000 |
| Allowance for loan losses | 609,000 | 687,000 | 653,000 | 656,000 |
| Securities available for sale | 16,026,000 | 19,607,000 | 20,766,000 | 19,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,913,000 | 72,867,000 | 74,581,000 | 70,197,000 |
| Interest-bearing deposits | 54,321,000 | 58,196,000 | 59,825,000 | 54,177,000 |
| Noninterest-bearing deposits | 12,591,000 | 14,670,000 | 14,756,000 | 16,020,000 |
| Equity capital | 8,249,000 | 8,113,000 | 8,516,000 | 8,572,000 |
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 | 1,274,000 | 2,628,000 | 3,995,000 | 5,421,000 |
| Interest expense | 239,000 | 492,000 | 769,000 | 1,022,000 |
| Net interest income | 1,035,000 | 2,136,000 | 3,226,000 | 4,399,000 |
| Noninterest income | 71,000 | 141,000 | 199,000 | 262,000 |
| Noninterest expense | 763,000 | 1,543,000 | 2,435,000 | 3,342,000 |
| Provision for loan losses | 52,000 | 131,000 | 131,000 | 134,000 |
| Pretax income | 297,000 | 620,000 | 873,000 | 1,190,000 |
| Income tax | 113,000 | 226,000 | 317,000 | 429,000 |
| Net income | 184,000 | 394,000 | 556,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,156,000 | 8,366,000 | 8,528,000 | 8,732,000 |
| Total capital | 8,765,000 | 9,055,000 | 9,181,000 | 9,388,000 |
| Risk-weighted assets | 63,435,000 | 69,597,000 | 70,658,000 | 70,336,000 |