Call reports 2005
VALLIANCE BANK — 2005
What VALLIANCE 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 | 27,043,000 | 34,346,000 | 45,000,000 | 54,540,000 |
| Total loans | 17,579,000 | 24,232,000 | 30,380,000 | 37,882,000 |
| Allowance for loan losses | 87,000 | 122,000 | 151,000 | 258,000 |
| Securities available for sale | 0 | 0 | 996,000 | 991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,789,000 | 25,216,000 | 35,950,000 | 45,656,000 |
| Interest-bearing deposits | 15,345,000 | 22,355,000 | 30,212,000 | 40,295,000 |
| Noninterest-bearing deposits | 2,444,000 | 2,861,000 | 5,738,000 | 5,361,000 |
| Equity capital | 9,218,000 | 9,061,000 | 8,929,000 | 8,709,000 |
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 | 267,000 | 667,000 | 1,185,000 | 1,932,000 |
| Interest expense | 77,000 | 204,000 | 375,000 | 703,000 |
| Net interest income | 190,000 | 463,000 | 810,000 | 1,229,000 |
| Noninterest income | 6,000 | 11,000 | 20,000 | 31,000 |
| Noninterest expense | 339,000 | 739,000 | 1,190,000 | 1,729,000 |
| Provision for loan losses | 27,000 | 62,000 | 91,000 | 198,000 |
| Pretax income | -170,000 | -327,000 | -451,000 | -667,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -170,000 | -327,000 | -451,000 | -667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,218,000 | 9,061,000 | 8,937,000 | 8,721,000 |
| Total capital | 9,305,000 | 9,183,000 | 9,088,000 | 8,979,000 |
| Risk-weighted assets | 21,101,000 | 27,717,000 | 34,272,000 | 41,091,000 |