Call reports 2006
EAST VALLEY COMMUNITY BANK — 2006
What EAST VALLEY COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 43,651,000 | 41,500,000 | 40,379,000 | 35,954,000 |
| Total loans | 34,403,000 | 35,204,000 | 34,993,000 | 31,883,000 |
| Allowance for loan losses | 456,000 | 401,000 | 358,000 | 321,000 |
| Securities available for sale | 49,000 | 48,000 | 48,000 | 48,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,576,000 | 31,412,000 | 29,199,000 | 25,975,000 |
| Interest-bearing deposits | 23,578,000 | 23,303,000 | 21,709,000 | 18,728,000 |
| Noninterest-bearing deposits | 8,998,000 | 8,109,000 | 7,490,000 | 7,247,000 |
| Equity capital | 5,296,000 | 5,421,000 | 5,528,000 | 5,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 763,000 | 1,526,000 | 2,254,000 | 2,934,000 |
| Interest expense | 256,000 | 529,000 | 794,000 | 1,071,000 |
| Net interest income | 507,000 | 997,000 | 1,460,000 | 1,863,000 |
| Noninterest income | 158,000 | 205,000 | 239,000 | 268,000 |
| Noninterest expense | 393,000 | 785,000 | 1,153,000 | 1,521,000 |
| Provision for loan losses | -41,000 | -96,000 | -139,000 | -176,000 |
| Pretax income | 313,000 | 513,000 | 685,000 | 786,000 |
| Income tax | 120,000 | 195,000 | 260,000 | 272,000 |
| Net income | 193,000 | 318,000 | 425,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,627,000 | 4,753,000 | 4,860,000 | 4,948,000 |
| Total capital | 5,083,000 | 5,154,000 | 5,218,000 | 5,269,000 |
| Risk-weighted assets | 38,331,000 | 38,078,000 | 36,984,000 | 34,142,000 |