Call reports 2006
VALLEY PREMIER BANK — 2006
What VALLEY PREMIER 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 | 66,922,000 | 66,059,000 | 66,475,000 | 68,571,000 |
| Total loans | 44,950,000 | 46,175,000 | 46,627,000 | 45,990,000 |
| Allowance for loan losses | 506,000 | 501,000 | 492,000 | 490,000 |
| Securities available for sale | 15,557,000 | 14,319,000 | 13,865,000 | 14,804,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,180,000 | 61,547,000 | 60,689,000 | 62,453,000 |
| Interest-bearing deposits | 51,599,000 | 52,029,000 | 51,304,000 | 52,329,000 |
| Noninterest-bearing deposits | 10,581,000 | 9,518,000 | 9,385,000 | 10,124,000 |
| Equity capital | 4,502,000 | 4,220,000 | 5,454,000 | 5,771,000 |
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 | 978,000 | 1,971,000 | 3,022,000 | 4,121,000 |
| Interest expense | 374,000 | 768,000 | 1,207,000 | 1,655,000 |
| Net interest income | 604,000 | 1,203,000 | 1,815,000 | 2,466,000 |
| Noninterest income | 101,000 | 199,000 | 307,000 | 392,000 |
| Noninterest expense | 511,000 | 1,016,000 | 1,506,000 | 2,012,000 |
| Provision for loan losses | 0 | 67,000 | 111,000 | 111,000 |
| Pretax income | 194,000 | 319,000 | 505,000 | 735,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 193,000 | 318,000 | 504,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,852,000 | 4,731,000 | 5,773,000 | 6,007,000 |
| Total capital | 5,358,000 | 5,232,000 | 6,265,000 | 6,497,000 |
| Risk-weighted assets | 47,245,000 | 48,466,000 | 48,245,000 | 47,942,000 |