Call reports 2005
VALLEY BANK — 2005
What VALLEY 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 | 393,188,000 | 423,778,000 | 460,199,000 | 495,006,000 |
| Total loans | 300,960,000 | 335,490,000 | 377,360,000 | 410,883,000 |
| Allowance for loan losses | 3,313,000 | 3,711,000 | 4,003,000 | 4,124,000 |
| Securities available for sale | 42,676,000 | 35,833,000 | 34,198,000 | 33,207,000 |
| Securities held to maturity | 22,068,000 | 21,758,000 | 21,437,000 | 20,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,040,000 | 333,404,000 | 353,166,000 | 365,355,000 |
| Interest-bearing deposits | 256,070,000 | 279,485,000 | 328,795,000 | 345,889,000 |
| Noninterest-bearing deposits | 51,970,000 | 53,919,000 | 24,371,000 | 19,466,000 |
| Equity capital | 29,448,000 | 32,490,000 | 35,915,000 | 38,375,000 |
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 | 5,031,000 | 10,734,000 | 17,148,000 | 24,469,000 |
| Interest expense | 2,045,000 | 4,453,000 | 7,295,000 | 10,637,000 |
| Net interest income | 2,986,000 | 6,281,000 | 9,853,000 | 13,832,000 |
| Noninterest income | 332,000 | 714,000 | 1,247,000 | 1,683,000 |
| Noninterest expense | 2,026,000 | 4,280,000 | 6,613,000 | 9,154,000 |
| Provision for loan losses | 324,000 | 725,000 | 1,180,000 | 1,297,000 |
| Pretax income | 968,000 | 2,043,000 | 3,360,000 | 5,117,000 |
| Income tax | 255,000 | 551,000 | 933,000 | 1,454,000 |
| Net income | 713,000 | 1,492,000 | 2,427,000 | 3,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,859,000 | 32,518,000 | 36,208,000 | 38,822,000 |
| Total capital | 33,172,000 | 36,229,000 | 40,211,000 | 42,946,000 |
| Risk-weighted assets | 323,599,000 | 355,028,000 | 391,839,000 | 426,191,000 |