Call reports 2005
EAST VALLEY COMMUNITY BANK — 2005
What EAST VALLEY COMMUNITY 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 | 48,703,000 | 49,500,000 | 45,881,000 | 43,354,000 |
| Total loans | 43,030,000 | 44,242,000 | 41,381,000 | 38,716,000 |
| Allowance for loan losses | 545,000 | 575,000 | 525,000 | 497,000 |
| Securities available for sale | 51,000 | 50,000 | 49,000 | 49,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,759,000 | 38,988,000 | 35,201,000 | 32,498,000 |
| Interest-bearing deposits | 33,811,000 | 31,064,000 | 25,466,000 | 23,741,000 |
| Noninterest-bearing deposits | 6,948,000 | 7,924,000 | 9,735,000 | 8,757,000 |
| Equity capital | 4,828,000 | 4,895,000 | 5,000,000 | 5,103,000 |
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 | 809,000 | 1,694,000 | 2,528,000 | 3,301,000 |
| Interest expense | 221,000 | 471,000 | 723,000 | 955,000 |
| Net interest income | 588,000 | 1,223,000 | 1,805,000 | 2,346,000 |
| Noninterest income | 87,000 | 211,000 | 258,000 | 305,000 |
| Noninterest expense | 593,000 | 1,220,000 | 1,738,000 | 2,182,000 |
| Provision for loan losses | 25,000 | 55,000 | 5,000 | -23,000 |
| Pretax income | 57,000 | 159,000 | 320,000 | 492,000 |
| Income tax | 20,000 | 55,000 | 111,000 | 179,000 |
| Net income | 37,000 | 104,000 | 209,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,158,000 | 4,225,000 | 4,331,000 | 4,434,000 |
| Total capital | 4,703,000 | 4,796,000 | 4,856,000 | 4,931,000 |
| Risk-weighted assets | 46,039,000 | 45,711,000 | 43,942,000 | 41,209,000 |