Call reports 2004
MADISON VALLEY BANK — 2004
What MADISON 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 | 66,777,000 | 70,156,000 | 74,542,000 | 71,204,000 |
| Total loans | 43,101,000 | 46,602,000 | 49,459,000 | 50,687,000 |
| Allowance for loan losses | 468,000 | 491,000 | 523,000 | 519,000 |
| Securities available for sale | 7,963,000 | 7,906,000 | 7,494,000 | 6,723,000 |
| Securities held to maturity | 5,966,000 | 5,137,000 | 5,080,000 | 4,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,170,000 | 64,443,000 | 68,504,000 | 65,084,000 |
| Interest-bearing deposits | 49,977,000 | 50,480,000 | 51,292,000 | 50,533,000 |
| Noninterest-bearing deposits | 11,193,000 | 13,963,000 | 17,212,000 | 14,551,000 |
| Equity capital | 5,469,000 | 5,507,000 | 5,774,000 | 5,795,000 |
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 | 969,000 | 1,982,000 | 3,095,000 | 4,162,000 |
| Interest expense | 191,000 | 373,000 | 553,000 | 732,000 |
| Net interest income | 778,000 | 1,609,000 | 2,542,000 | 3,430,000 |
| Noninterest income | 126,000 | 240,000 | 351,000 | 532,000 |
| Noninterest expense | 615,000 | 1,210,000 | 1,850,000 | 2,542,000 |
| Provision for loan losses | 32,000 | 76,000 | 118,000 | 133,000 |
| Pretax income | 257,000 | 563,000 | 925,000 | 1,287,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 257,000 | 563,000 | 925,000 | 1,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,524,000 | 5,630,000 | 5,802,000 | 5,855,000 |
| Total capital | 5,992,000 | 6,121,000 | 6,325,000 | 6,374,000 |
| Risk-weighted assets | 47,277,000 | 50,368,000 | 53,348,000 | 53,015,000 |