Call reports 2006
BANK OF THE VALLEY — 2006
What BANK OF THE VALLEY 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 | 35,085,000 | 36,086,000 | 38,683,000 | 39,942,000 |
| Total loans | 29,015,000 | 30,391,000 | 32,592,000 | 32,326,000 |
| Allowance for loan losses | 639,000 | 648,000 | 649,000 | 653,000 |
| Securities available for sale | 98,000 | 98,000 | 98,000 | 504,000 |
| Securities held to maturity | 3,825,000 | 3,787,000 | 3,957,000 | 3,400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,315,000 | 28,604,000 | 31,956,000 | 33,339,000 |
| Interest-bearing deposits | 24,482,000 | 24,808,000 | 27,973,000 | 28,018,000 |
| Noninterest-bearing deposits | 4,833,000 | 3,796,000 | 3,983,000 | 5,321,000 |
| Equity capital | 3,108,000 | 3,196,000 | 3,294,000 | 3,315,000 |
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 | 549,000 | 1,162,000 | 1,843,000 | 2,552,000 |
| Interest expense | 203,000 | 437,000 | 737,000 | 1,051,000 |
| Net interest income | 346,000 | 725,000 | 1,106,000 | 1,501,000 |
| Noninterest income | 46,000 | 103,000 | 156,000 | 205,000 |
| Noninterest expense | 263,000 | 558,000 | 850,000 | 1,171,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000 |
| Pretax income | 129,000 | 270,000 | 412,000 | 532,000 |
| Income tax | 35,000 | 74,000 | 118,000 | 143,000 |
| Net income | 94,000 | 196,000 | 294,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,108,000 | 3,196,000 | 3,294,000 | 3,315,000 |
| Total capital | 3,471,000 | 3,586,000 | 3,717,000 | 3,712,000 |
| Risk-weighted assets | 29,127,000 | 30,922,000 | 33,520,000 | 31,501,000 |