Call reports 2004
VALLIANCE BANK — 2004
What VALLIANCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q4 |
|---|---|
| Total assets | 22,871,000 |
| Total loans | 12,455,000 |
| Allowance for loan losses | 60,000 |
| Securities available for sale | 0 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 13,465,000 |
| Interest-bearing deposits | 12,275,000 |
| Noninterest-bearing deposits | 1,190,000 |
| Equity capital | 9,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q4 |
|---|---|
| Interest income | 107,000 |
| Interest expense | 26,000 |
| Net interest income | 81,000 |
| Noninterest income | 5,000 |
| Noninterest expense | 638,000 |
| Provision for loan losses | 60,000 |
| Pretax income | -612,000 |
| Income tax | 0 |
| Net income | -612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q4 |
|---|---|
| Tier 1 capital | 9,388,000 |
| Total capital | 9,448,000 |
| Risk-weighted assets | 15,276,000 |