Call reports 2005
MID-VALLEY BANK — 2005
What MID-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 | 91,072,000 | 97,481,000 | 99,253,000 | 100,123,000 |
| Total loans | 65,227,000 | 66,358,000 | 72,422,000 | 73,652,000 |
| Allowance for loan losses | 705,000 | 710,000 | 778,000 | 837,000 |
| Securities available for sale | 15,800,000 | 15,867,000 | 19,032,000 | 18,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,897,000 | 84,333,000 | 84,076,000 | 80,564,000 |
| Interest-bearing deposits | 59,445,000 | 67,577,000 | 67,045,000 | 62,268,000 |
| Noninterest-bearing deposits | 17,452,000 | 16,756,000 | 17,031,000 | 18,296,000 |
| Equity capital | 8,473,000 | 8,648,000 | 8,862,000 | 8,933,000 |
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 | 1,431,000 | 2,933,000 | 4,598,000 | 6,354,000 |
| Interest expense | 290,000 | 712,000 | 1,139,000 | 1,582,000 |
| Net interest income | 1,141,000 | 2,221,000 | 3,459,000 | 4,772,000 |
| Noninterest income | 44,000 | 116,000 | 168,000 | 245,000 |
| Noninterest expense | 995,000 | 2,002,000 | 2,858,000 | 3,836,000 |
| Provision for loan losses | 52,000 | 52,000 | 119,000 | 164,000 |
| Pretax income | 125,000 | 270,000 | 637,000 | 1,004,000 |
| Income tax | 46,000 | 99,000 | 227,000 | 357,000 |
| Net income | 79,000 | 171,000 | 410,000 | 647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,812,000 | 8,904,000 | 9,160,000 | 9,397,000 |
| Total capital | 9,517,000 | 9,614,000 | 9,938,000 | 10,234,000 |
| Risk-weighted assets | 76,533,000 | 80,477,000 | 81,487,000 | 84,352,000 |