Call reports 2004
EAST VALLEY COMMUNITY BANK — 2004
What EAST VALLEY COMMUNITY 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 | 42,472,000 | 41,868,000 | 48,979,000 | 46,549,000 |
| Total loans | 35,050,000 | 38,742,000 | 40,652,000 | 42,842,000 |
| Allowance for loan losses | 449,000 | 466,000 | 486,000 | 520,000 |
| Securities available for sale | 3,007,000 | 51,000 | 51,000 | 51,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,689,000 | 37,488,000 | 42,967,000 | 39,783,000 |
| Interest-bearing deposits | 30,859,000 | 31,901,000 | 35,982,000 | 32,492,000 |
| Noninterest-bearing deposits | 5,830,000 | 5,587,000 | 6,985,000 | 7,291,000 |
| Equity capital | 4,059,000 | 4,263,000 | 4,522,000 | 4,666,000 |
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 | 651,000 | 1,337,000 | 2,105,000 | 2,912,000 |
| Interest expense | 157,000 | 311,000 | 479,000 | 667,000 |
| Net interest income | 494,000 | 1,026,000 | 1,626,000 | 2,245,000 |
| Noninterest income | 99,000 | 184,000 | 278,000 | 349,000 |
| Noninterest expense | 524,000 | 1,070,000 | 1,637,000 | 2,181,000 |
| Provision for loan losses | 8,000 | 15,000 | 36,000 | 77,000 |
| Pretax income | 61,000 | 125,000 | 231,000 | 336,000 |
| Income tax | 21,000 | 44,000 | 81,000 | 117,000 |
| Net income | 40,000 | 81,000 | 150,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,383,000 | 3,594,000 | 3,853,000 | 3,997,000 |
| Total capital | 3,832,000 | 4,060,000 | 4,339,000 | 4,517,000 |
| Risk-weighted assets | 38,296,000 | 40,164,000 | 43,356,000 | 45,018,000 |