Call reports 2005
VALLEY RIDGE BANK — 2005
What VALLEY RIDGE 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 | 196,745,000 | 200,546,000 | 203,518,000 | 216,262,000 |
| Total loans | 137,197,000 | 140,633,000 | 145,280,000 | 151,091,000 |
| Allowance for loan losses | 1,647,000 | 1,670,000 | 1,697,000 | 1,674,000 |
| Securities available for sale | 42,290,000 | 41,415,000 | 39,297,000 | 38,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,930,000 | 154,911,000 | 157,904,000 | 165,903,000 |
| Interest-bearing deposits | 125,030,000 | 123,568,000 | 126,238,000 | 132,964,000 |
| Noninterest-bearing deposits | 27,900,000 | 31,343,000 | 31,666,000 | 32,939,000 |
| Equity capital | 19,392,000 | 19,826,000 | 20,053,000 | 20,439,000 |
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 | 2,707,000 | 5,543,000 | 8,486,000 | 11,581,000 |
| Interest expense | 857,000 | 1,782,000 | 2,799,000 | 3,890,000 |
| Net interest income | 1,850,000 | 3,761,000 | 5,687,000 | 7,691,000 |
| Noninterest income | 610,000 | 1,367,000 | 2,121,000 | 2,958,000 |
| Noninterest expense | 1,892,000 | 3,853,000 | 5,757,000 | 7,599,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 538,000 | 1,210,000 | 1,952,000 | 2,922,000 |
| Income tax | 131,000 | 304,000 | 495,000 | 704,000 |
| Net income | 407,000 | 906,000 | 1,457,000 | 2,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,389,000 | 19,681,000 | 20,024,000 | 20,578,000 |
| Total capital | 21,036,000 | 21,351,000 | 21,721,000 | 22,252,000 |
| Risk-weighted assets | 141,054,000 | 144,285,000 | 148,443,000 | 155,236,000 |