Call reports 2005
VALLEY VIEW STATE BANK — 2005
What VALLEY VIEW STATE 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 | 633,638,000 | 632,246,000 | 631,058,000 | 636,439,000 |
| Total loans | 434,889,000 | 438,689,000 | 431,237,000 | 423,974,000 |
| Allowance for loan losses | 10,501,000 | 10,546,000 | 10,544,000 | 10,554,000 |
| Securities available for sale | 92,865,000 | 91,327,000 | 88,057,000 | 99,244,000 |
| Securities held to maturity | 82,814,000 | 78,842,000 | 73,549,000 | 69,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 513,160,000 | 509,981,000 | 513,782,000 | 522,307,000 |
| Interest-bearing deposits | 426,037,000 | 423,278,000 | 424,451,000 | 428,277,000 |
| Noninterest-bearing deposits | 87,123,000 | 86,703,000 | 89,331,000 | 94,030,000 |
| Equity capital | 83,615,000 | 85,901,000 | 87,709,000 | 89,495,000 |
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 | 8,657,000 | 17,753,000 | 27,158,000 | 36,997,000 |
| Interest expense | 2,473,000 | 5,117,000 | 8,026,000 | 11,193,000 |
| Net interest income | 6,184,000 | 12,636,000 | 19,132,000 | 25,804,000 |
| Noninterest income | 810,000 | 1,728,000 | 2,635,000 | 3,426,000 |
| Noninterest expense | 3,066,000 | 6,108,000 | 9,188,000 | 12,314,000 |
| Provision for loan losses | 142,000 | 171,000 | 183,000 | 204,000 |
| Pretax income | 3,786,000 | 8,085,000 | 12,396,000 | 16,712,000 |
| Income tax | 1,349,000 | 2,904,000 | 4,463,000 | 6,027,000 |
| Net income | 2,437,000 | 5,181,000 | 7,933,000 | 10,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,406,000 | 86,410,000 | 88,389,000 | 90,061,000 |
| Total capital | 90,760,000 | 92,850,000 | 94,303,000 | 95,933,000 |
| Risk-weighted assets | 504,173,000 | 511,064,000 | 472,608,000 | 469,161,000 |