Call reports 2004
VALLEY PREMIER BANK — 2004
What VALLEY PREMIER 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 | 62,821,000 | 61,295,000 | 62,252,000 | 63,774,000 |
| Total loans | 39,948,000 | 40,065,000 | 39,948,000 | 41,404,000 |
| Allowance for loan losses | 486,000 | 486,000 | 485,000 | 482,000 |
| Securities available for sale | 15,885,000 | 16,964,000 | 16,244,000 | 17,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,424,000 | 55,372,000 | 56,789,000 | 58,237,000 |
| Interest-bearing deposits | 49,163,000 | 47,476,000 | 48,117,000 | 48,773,000 |
| Noninterest-bearing deposits | 8,261,000 | 7,896,000 | 8,672,000 | 9,464,000 |
| Equity capital | 5,286,000 | 4,796,000 | 5,319,000 | 5,439,000 |
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 | 870,000 | 1,744,000 | 2,620,000 | 3,505,000 |
| Interest expense | 165,000 | 324,000 | 486,000 | 651,000 |
| Net interest income | 705,000 | 1,420,000 | 2,134,000 | 2,854,000 |
| Noninterest income | 69,000 | 138,000 | 220,000 | 335,000 |
| Noninterest expense | 507,000 | 1,003,000 | 1,497,000 | 1,995,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 288,000 | 576,000 | 878,000 | 1,215,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 287,000 | 575,000 | 877,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,925,000 | 4,993,000 | 5,185,000 | 5,386,000 |
| Total capital | 5,411,000 | 5,479,000 | 5,670,000 | 5,868,000 |
| Risk-weighted assets | 43,142,000 | 43,791,000 | 44,082,000 | 45,415,000 |