Call reports 2005
HOPEWELL VALLEY COMMUNITY BANK — 2005
What HOPEWELL VALLEY COMMUNITY 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 | 173,840,000 | 187,471,000 | 189,808,000 | 200,087,000 |
| Total loans | 124,136,000 | 138,980,000 | 142,338,000 | 148,745,000 |
| Allowance for loan losses | 1,342,000 | 1,432,000 | 1,563,000 | 1,670,000 |
| Securities available for sale | 24,904,000 | 24,826,000 | 25,435,000 | 25,964,000 |
| Securities held to maturity | 1,721,000 | 2,230,000 | 2,785,000 | 2,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,303,000 | 171,596,000 | 173,209,000 | 174,234,000 |
| Interest-bearing deposits | 136,804,000 | 149,046,000 | 149,183,000 | 149,193,000 |
| Noninterest-bearing deposits | 21,499,000 | 22,550,000 | 24,026,000 | 25,041,000 |
| Equity capital | 14,770,000 | 15,299,000 | 15,705,000 | 19,658,000 |
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 | 2,290,000 | 4,805,000 | 7,679,000 | 10,691,000 |
| Interest expense | 748,000 | 1,595,000 | 2,593,000 | 3,748,000 |
| Net interest income | 1,542,000 | 3,210,000 | 5,086,000 | 6,943,000 |
| Noninterest income | 207,000 | 404,000 | 617,000 | 858,000 |
| Noninterest expense | 1,172,000 | 2,426,000 | 3,671,000 | 4,997,000 |
| Provision for loan losses | 90,000 | 180,000 | 312,000 | 420,000 |
| Pretax income | 487,000 | 1,008,000 | 1,720,000 | 2,384,000 |
| Income tax | 147,000 | 313,000 | 553,000 | 752,000 |
| Net income | 340,000 | 695,000 | 1,167,000 | 1,632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,098,000 | 15,452,000 | 15,924,000 | 20,028,000 |
| Total capital | 16,440,000 | 16,884,000 | 17,487,000 | 21,698,000 |
| Risk-weighted assets | 129,718,000 | 142,419,000 | 145,191,000 | 152,713,000 |