Call reports 2005
BANK OF THE VALLEY — 2005
What BANK OF THE VALLEY 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 | 30,780,000 | 31,896,000 | 33,925,000 | 32,130,000 |
| Total loans | 24,036,000 | 26,666,000 | 28,037,000 | 26,076,000 |
| Allowance for loan losses | 579,000 | 632,000 | 635,000 | 638,000 |
| Securities available for sale | 0 | 100,000 | 99,000 | 99,000 |
| Securities held to maturity | 3,705,000 | 3,673,000 | 3,841,000 | 3,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,258,000 | 24,972,000 | 26,138,000 | 26,811,000 |
| Interest-bearing deposits | 22,113,000 | 21,352,000 | 22,477,000 | 22,903,000 |
| Noninterest-bearing deposits | 4,145,000 | 3,620,000 | 3,661,000 | 3,908,000 |
| Equity capital | 2,898,000 | 2,970,000 | 3,081,000 | 3,074,000 |
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 | 434,000 | 899,000 | 1,424,000 | 1,958,000 |
| Interest expense | 114,000 | 243,000 | 401,000 | 569,000 |
| Net interest income | 320,000 | 656,000 | 1,023,000 | 1,389,000 |
| Noninterest income | 42,000 | 85,000 | 125,000 | 174,000 |
| Noninterest expense | 252,000 | 528,000 | 779,000 | 1,051,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 213,000 | 369,000 | 512,000 |
| Income tax | 32,000 | 58,000 | 103,000 | 143,000 |
| Net income | 78,000 | 155,000 | 266,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,898,000 | 2,970,000 | 3,081,000 | 3,073,000 |
| Total capital | 3,224,000 | 3,287,000 | 3,455,000 | 3,448,000 |
| Risk-weighted assets | 25,833,000 | 25,051,000 | 29,946,000 | 29,339,000 |