Call reports 2005
MADISON VALLEY BANK — 2005
What MADISON 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 | 71,682,000 | 75,511,000 | 84,196,000 | 79,396,000 |
| Total loans | 54,465,000 | 57,319,000 | 59,023,000 | 60,327,000 |
| Allowance for loan losses | 570,000 | 605,000 | 626,000 | 583,000 |
| Securities available for sale | 6,414,000 | 6,405,000 | 6,432,000 | 6,431,000 |
| Securities held to maturity | 3,896,000 | 3,237,000 | 3,060,000 | 2,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,944,000 | 67,665,000 | 77,762,000 | 72,855,000 |
| Interest-bearing deposits | 49,111,000 | 49,702,000 | 55,312,000 | 55,250,000 |
| Noninterest-bearing deposits | 13,833,000 | 17,963,000 | 22,450,000 | 17,605,000 |
| Equity capital | 6,088,000 | 5,959,000 | 6,049,000 | 6,011,000 |
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 | 1,096,000 | 2,242,000 | 3,462,000 | 4,735,000 |
| Interest expense | 178,000 | 390,000 | 663,000 | 937,000 |
| Net interest income | 918,000 | 1,852,000 | 2,799,000 | 3,798,000 |
| Noninterest income | 111,000 | 241,000 | 396,000 | 524,000 |
| Noninterest expense | 626,000 | 1,236,000 | 1,890,000 | 2,571,000 |
| Provision for loan losses | 45,000 | 89,000 | 116,000 | 127,000 |
| Pretax income | 358,000 | 768,000 | 1,189,000 | 1,624,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 358,000 | 768,000 | 1,189,000 | 1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,175,000 | 6,055,000 | 6,151,000 | 6,116,000 |
| Total capital | 6,745,000 | 6,660,000 | 6,777,000 | 6,699,000 |
| Risk-weighted assets | 56,133,000 | 58,401,000 | 60,856,000 | 61,199,000 |