Call reports 2004
VALLEY RIDGE BANK — 2004
What VALLEY RIDGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 195,586,000 | 197,621,000 | 197,081,000 | 198,418,000 |
| Total loans | 127,291,000 | 133,174,000 | 135,771,000 | 134,683,000 |
| Allowance for loan losses | 1,744,000 | 1,745,000 | 1,724,000 | 1,657,000 |
| Securities available for sale | 47,794,000 | 44,649,000 | 39,571,000 | 39,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,578,000 | 154,358,000 | 156,705,000 | 153,392,000 |
| Interest-bearing deposits | 127,498,000 | 125,523,000 | 127,252,000 | 123,831,000 |
| Noninterest-bearing deposits | 27,080,000 | 28,835,000 | 29,453,000 | 29,561,000 |
| Equity capital | 18,743,000 | 18,301,000 | 19,031,000 | 19,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,613,000 | 5,217,000 | 7,936,000 | 10,679,000 |
| Interest expense | 867,000 | 1,716,000 | 2,570,000 | 3,425,000 |
| Net interest income | 1,746,000 | 3,501,000 | 5,366,000 | 7,254,000 |
| Noninterest income | 691,000 | 1,417,000 | 2,121,000 | 2,867,000 |
| Noninterest expense | 1,934,000 | 3,839,000 | 5,758,000 | 7,497,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 534,000 | 1,132,000 | 1,802,000 | 2,699,000 |
| Income tax | 110,000 | 249,000 | 409,000 | 630,000 |
| Net income | 424,000 | 883,000 | 1,393,000 | 2,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,166,000 | 18,417,000 | 18,722,000 | 19,187,000 |
| Total capital | 19,898,000 | 20,162,000 | 20,446,000 | 20,844,000 |
| Risk-weighted assets | 138,531,000 | 142,543,000 | 140,807,000 | 140,590,000 |