Call reports 2004
VALLEY BANK — 2004
What VALLEY 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 | 331,513,000 | 346,592,000 | 364,509,000 | 371,891,000 |
| Total loans | 231,556,000 | 251,485,000 | 270,351,000 | 281,224,000 |
| Allowance for loan losses | 2,662,000 | 2,798,000 | 3,023,000 | 2,989,000 |
| Securities available for sale | 43,314,000 | 48,233,000 | 48,273,000 | 45,820,000 |
| Securities held to maturity | 23,124,000 | 23,136,000 | 22,749,000 | 22,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,658,000 | 253,380,000 | 277,788,000 | 282,236,000 |
| Interest-bearing deposits | 204,874,000 | 209,912,000 | 234,335,000 | 235,128,000 |
| Noninterest-bearing deposits | 41,784,000 | 43,468,000 | 43,453,000 | 47,108,000 |
| Equity capital | 26,035,000 | 25,865,000 | 27,293,000 | 27,968,000 |
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 | 4,024,000 | 8,272,000 | 12,867,000 | 17,847,000 |
| Interest expense | 1,512,000 | 3,083,000 | 4,871,000 | 6,747,000 |
| Net interest income | 2,512,000 | 5,189,000 | 7,996,000 | 11,100,000 |
| Noninterest income | 316,000 | 643,000 | 987,000 | 1,332,000 |
| Noninterest expense | 1,821,000 | 3,697,000 | 5,544,000 | 7,701,000 |
| Provision for loan losses | 97,000 | 247,000 | 578,000 | 633,000 |
| Pretax income | 914,000 | 1,905,000 | 2,879,000 | 4,115,000 |
| Income tax | 244,000 | 507,000 | 764,000 | 1,114,000 |
| Net income | 670,000 | 1,398,000 | 2,115,000 | 3,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,616,000 | 26,344,000 | 27,061,000 | 27,947,000 |
| Total capital | 28,278,000 | 29,142,000 | 30,084,000 | 30,936,000 |
| Risk-weighted assets | 260,660,000 | 279,965,000 | 295,060,000 | 304,410,000 |