Call reports 2005
ALTA VISTA STATE BANK — 2005
What ALTA VISTA STATE 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 | 17,558,000 | 17,497,000 | 17,083,000 | 17,790,000 |
| Total loans | 7,676,000 | 7,703,000 | 7,678,000 | 7,820,000 |
| Allowance for loan losses | 201,000 | 175,000 | 165,000 | 166,000 |
| Securities available for sale | 8,547,000 | 8,749,000 | 8,356,000 | 8,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,125,000 | 15,970,000 | 15,498,000 | 16,288,000 |
| Interest-bearing deposits | 13,908,000 | 13,765,000 | 13,427,000 | 13,920,000 |
| Noninterest-bearing deposits | 2,217,000 | 2,205,000 | 2,071,000 | 2,368,000 |
| Equity capital | 1,405,000 | 1,495,000 | 1,507,000 | 1,463,000 |
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 | 219,000 | 450,000 | 677,000 | 902,000 |
| Interest expense | 65,000 | 136,000 | 214,000 | 300,000 |
| Net interest income | 154,000 | 314,000 | 463,000 | 602,000 |
| Noninterest income | 16,000 | 31,000 | 48,000 | 61,000 |
| Noninterest expense | 119,000 | 228,000 | 324,000 | 472,000 |
| Provision for loan losses | 8,000 | 8,000 | 33,000 | 33,000 |
| Pretax income | 38,000 | 104,000 | 146,000 | 150,000 |
| Income tax | 5,000 | 30,000 | 33,000 | 25,000 |
| Net income | 33,000 | 74,000 | 113,000 | 125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,500,000 | 1,528,000 | 1,554,000 | 1,553,000 |
| Total capital | 1,610,000 | 1,640,000 | 1,663,000 | 1,665,000 |
| Risk-weighted assets | 8,715,000 | 8,888,000 | 8,701,000 | 8,913,000 |