Call reports 2006
VALLEY BANK — 2006
What VALLEY 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 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 513,353,000 | 537,686,000 | 555,365,000 | 588,193,000 |
| Total loans | 431,941,000 | 448,259,000 | 461,640,000 | 468,063,000 |
| Allowance for loan losses | 4,709,000 | 4,832,000 | 5,219,000 | 5,658,000 |
| Securities available for sale | 32,077,000 | 35,200,000 | 41,483,000 | 48,405,000 |
| Securities held to maturity | 20,608,000 | 20,443,000 | 20,274,000 | 20,133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,735,000 | 395,042,000 | 417,982,000 | 443,627,000 |
| Interest-bearing deposits | 356,328,000 | 372,567,000 | 400,656,000 | 424,964,000 |
| Noninterest-bearing deposits | 19,407,000 | 22,475,000 | 17,326,000 | 18,663,000 |
| Equity capital | 39,573,000 | 40,820,000 | 42,841,000 | 44,367,000 |
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 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 7,764,000 | 16,163,000 | 25,251,000 | 34,741,000 |
| Interest expense | 3,851,000 | 8,166,000 | 13,098,000 | 18,434,000 |
| Net interest income | 3,913,000 | 7,997,000 | 12,153,000 | 16,307,000 |
| Noninterest income | 459,000 | 986,000 | 1,667,000 | 2,210,000 |
| Noninterest expense | 2,686,000 | 5,479,000 | 8,336,000 | 11,892,000 |
| Provision for loan losses | 587,000 | 706,000 | 1,093,000 | 2,796,000 |
| Pretax income | 1,098,000 | 2,798,000 | 4,388,000 | 3,826,000 |
| Income tax | 301,000 | 818,000 | 1,282,000 | 431,000 |
| Net income | 797,000 | 1,980,000 | 3,106,000 | 3,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,218,000 | 41,902,000 | 43,027,000 | 44,666,000 |
| Total capital | 44,927,000 | 46,734,000 | 48,246,000 | 50,324,000 |
| Risk-weighted assets | 446,898,000 | 465,383,000 | 477,481,000 | 491,840,000 |