Call reports 2006
VALLEY VIEW STATE BANK — 2006
What VALLEY VIEW STATE 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 | 631,868,000 | 614,432,000 | 625,474,000 | 629,753,000 |
| Total loans | 398,455,000 | 379,408,000 | 389,250,000 | 394,566,000 |
| Allowance for loan losses | 10,734,000 | 9,152,000 | 9,077,000 | 8,883,000 |
| Securities available for sale | 122,595,000 | 124,199,000 | 120,028,000 | 111,259,000 |
| Securities held to maturity | 68,146,000 | 68,847,000 | 65,448,000 | 67,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,383,000 | 496,818,000 | 504,009,000 | 509,489,000 |
| Interest-bearing deposits | 427,920,000 | 409,160,000 | 416,611,000 | 414,782,000 |
| Noninterest-bearing deposits | 88,463,000 | 87,658,000 | 87,398,000 | 94,707,000 |
| Equity capital | 91,765,000 | 93,673,000 | 95,060,000 | 88,978,000 |
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 | 9,763,000 | 19,640,000 | 30,028,000 | 40,737,000 |
| Interest expense | 3,282,000 | 6,699,000 | 10,388,000 | 14,227,000 |
| Net interest income | 6,481,000 | 12,941,000 | 19,640,000 | 26,510,000 |
| Noninterest income | 778,000 | 1,588,000 | 2,399,000 | 3,136,000 |
| Noninterest expense | 3,245,000 | 6,375,000 | 9,457,000 | 12,700,000 |
| Provision for loan losses | 200,000 | 212,000 | 232,000 | 45,000 |
| Pretax income | 3,814,000 | 7,942,000 | 12,350,000 | 16,901,000 |
| Income tax | 1,378,000 | 2,870,000 | 4,470,000 | 6,037,000 |
| Net income | 2,436,000 | 5,072,000 | 7,880,000 | 10,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,965,000 | 93,741,000 | 95,550,000 | 89,260,000 |
| Total capital | 97,939,000 | 99,627,000 | 101,803,000 | 95,627,000 |
| Risk-weighted assets | 473,157,000 | 467,578,000 | 497,426,000 | 508,136,000 |