Call reports 2004
BANK OF THE VALLEY — 2004
What BANK OF THE VALLEY 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 | 30,636,000 | 31,408,000 | 31,142,000 | 30,362,000 |
| Total loans | 22,948,000 | 24,748,000 | 25,640,000 | 24,485,000 |
| Allowance for loan losses | 567,000 | 562,000 | 572,000 | 577,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,128,000 | 2,822,000 | 2,820,000 | 4,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,063,000 | 26,564,000 | 26,700,000 | 25,977,000 |
| Interest-bearing deposits | 22,987,000 | 23,365,000 | 23,475,000 | 22,105,000 |
| Noninterest-bearing deposits | 4,076,000 | 3,199,000 | 3,225,000 | 3,872,000 |
| Equity capital | 2,740,000 | 2,759,000 | 2,837,000 | 2,896,000 |
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 | 405,000 | 839,000 | 1,293,000 | 1,728,000 |
| Interest expense | 101,000 | 199,000 | 308,000 | 423,000 |
| Net interest income | 304,000 | 640,000 | 985,000 | 1,305,000 |
| Noninterest income | 41,000 | 81,000 | 129,000 | 187,000 |
| Noninterest expense | 236,000 | 486,000 | 736,000 | 1,004,000 |
| Provision for loan losses | 15,000 | 24,000 | 33,000 | 42,000 |
| Pretax income | 94,000 | 211,000 | 345,000 | 446,000 |
| Income tax | 23,000 | 41,000 | 97,000 | 115,000 |
| Net income | 71,000 | 170,000 | 248,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,740,000 | 2,759,000 | 2,837,000 | 2,896,000 |
| Total capital | 3,014,000 | 3,052,000 | 3,143,000 | 3,191,000 |
| Risk-weighted assets | 21,657,000 | 23,223,000 | 24,261,000 | 23,243,000 |