Call reports 2006
VALLEY RIDGE BANK — 2006
What VALLEY RIDGE 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 |
|---|---|---|---|
| Total assets | 213,153,000 | 214,174,000 | 213,857,000 |
| Total loans | 151,117,000 | 147,992,000 | 149,250,000 |
| Allowance for loan losses | 1,712,000 | 1,749,000 | 1,791,000 |
| Securities available for sale | 37,302,000 | 36,056,000 | 35,225,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 169,383,000 | 170,625,000 | 171,456,000 |
| Interest-bearing deposits | 134,793,000 | 137,378,000 | 138,490,000 |
| Noninterest-bearing deposits | 34,590,000 | 33,247,000 | 32,966,000 |
| Equity capital | 20,690,000 | 20,857,000 | 21,493,000 |
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 |
|---|---|---|---|
| Interest income | 3,218,000 | 6,500,000 | 9,880,000 |
| Interest expense | 1,163,000 | 2,395,000 | 3,669,000 |
| Net interest income | 2,055,000 | 4,105,000 | 6,211,000 |
| Noninterest income | 690,000 | 1,410,000 | 2,165,000 |
| Noninterest expense | 1,999,000 | 3,954,000 | 5,876,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 |
| Pretax income | 699,000 | 1,469,000 | 2,363,000 |
| Income tax | 179,000 | 387,000 | 637,000 |
| Net income | 520,000 | 1,082,000 | 1,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 20,891,000 | 21,245,000 | 21,578,000 |
| Total capital | 22,603,000 | 22,994,000 | 23,369,000 |
| Risk-weighted assets | 155,829,000 | 153,141,000 | 154,316,000 |