Call reports 2006
VALLIANCE BANK — 2006
What VALLIANCE BANK 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 | 65,698,000 | 61,006,000 | 83,382,000 | 105,579,000 |
| Total loans | 41,194,000 | 44,439,000 | 57,573,000 | 88,180,000 |
| Allowance for loan losses | 281,000 | 318,000 | 369,000 | 550,000 |
| Securities available for sale | 5,965,000 | 5,699,000 | 5,676,000 | 5,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,396,000 | 51,073,000 | 73,181,000 | 95,438,000 |
| Interest-bearing deposits | 41,361,000 | 43,924,000 | 66,018,000 | 87,011,000 |
| Noninterest-bearing deposits | 14,035,000 | 7,149,000 | 7,163,000 | 8,427,000 |
| Equity capital | 8,698,000 | 8,611,000 | 8,743,000 | 8,783,000 |
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 | 846,000 | 1,908,000 | 3,305,000 | 5,180,000 |
| Interest expense | 407,000 | 850,000 | 1,589,000 | 2,589,000 |
| Net interest income | 439,000 | 1,058,000 | 1,716,000 | 2,591,000 |
| Noninterest income | 41,000 | 19,000 | 30,000 | 45,000 |
| Noninterest expense | 480,000 | 1,005,000 | 1,605,000 | 2,318,000 |
| Provision for loan losses | 23,000 | 60,000 | 111,000 | 293,000 |
| Pretax income | -23,000 | 12,000 | 30,000 | 25,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -23,000 | 12,000 | 30,000 | 25,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,798,000 | 8,833,000 | 8,852,000 | 8,846,000 |
| Total capital | 9,079,000 | 9,151,000 | 9,221,000 | 9,396,000 |
| Risk-weighted assets | 46,208,000 | 49,027,000 | 66,774,000 | 79,166,000 |