Call reports 2005
VALLEY PREMIER BANK — 2005
What VALLEY PREMIER 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 | 62,673,000 | 63,424,000 | 64,976,000 | 67,310,000 |
| Total loans | 40,961,000 | 43,132,000 | 44,447,000 | 47,341,000 |
| Allowance for loan losses | 487,000 | 485,000 | 482,000 | 507,000 |
| Securities available for sale | 16,768,000 | 16,215,000 | 16,100,000 | 15,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,635,000 | 58,853,000 | 59,512,000 | 62,655,000 |
| Interest-bearing deposits | 48,308,000 | 49,357,000 | 49,759,000 | 52,140,000 |
| Noninterest-bearing deposits | 9,327,000 | 9,496,000 | 9,753,000 | 10,515,000 |
| Equity capital | 4,920,000 | 4,430,000 | 4,530,000 | 4,516,000 |
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 | 869,000 | 1,775,000 | 2,717,000 | 3,692,000 |
| Interest expense | 202,000 | 434,000 | 692,000 | 987,000 |
| Net interest income | 667,000 | 1,341,000 | 2,025,000 | 2,705,000 |
| Noninterest income | 94,000 | 217,000 | 329,000 | 427,000 |
| Noninterest expense | 504,000 | 993,000 | 1,495,000 | 2,021,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 257,000 | 565,000 | 859,000 | 1,086,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 256,000 | 564,000 | 858,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,118,000 | 4,490,000 | 4,661,000 | 4,811,000 |
| Total capital | 5,605,000 | 4,975,000 | 5,143,000 | 5,318,000 |
| Risk-weighted assets | 44,689,000 | 45,493,000 | 47,006,000 | 49,611,000 |