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 | 342,461,000 | 361,489,000 | 391,763,000 | 412,624,000 |
| Total loans | 233,278,000 | 246,010,000 | 274,873,000 | 286,614,000 |
| Allowance for loan losses | 2,162,000 | 2,280,000 | 2,328,000 | 2,424,000 |
| Securities available for sale | 63,960,000 | 65,460,000 | 67,125,000 | 80,916,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,520,000 | 293,687,000 | 312,196,000 | 338,925,000 |
| Interest-bearing deposits | 238,904,000 | 234,168,000 | 268,491,000 | 299,809,000 |
| Noninterest-bearing deposits | 33,616,000 | 59,519,000 | 43,705,000 | 39,116,000 |
| Equity capital | 25,616,000 | 25,354,000 | 30,131,000 | 30,821,000 |
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 | 4,455,000 | 9,161,000 | 13,934,000 | 19,416,000 |
| Interest expense | 1,703,000 | 3,406,000 | 5,220,000 | 7,345,000 |
| Net interest income | 2,752,000 | 5,755,000 | 8,714,000 | 12,071,000 |
| Noninterest income | 1,103,000 | 2,569,000 | 4,018,000 | 5,857,000 |
| Noninterest expense | 2,900,000 | 6,064,000 | 9,461,000 | 13,382,000 |
| Provision for loan losses | 150,000 | 390,000 | 520,000 | 670,000 |
| Pretax income | 919,000 | 1,996,000 | 2,858,000 | 3,986,000 |
| Income tax | 252,000 | 554,000 | 779,000 | 1,118,000 |
| Net income | 667,000 | 1,442,000 | 2,079,000 | 2,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,147,000 | 24,882,000 | 28,662,000 | 29,620,000 |
| Total capital | 26,309,000 | 27,162,000 | 30,990,000 | 32,044,000 |
| Risk-weighted assets | 259,693,000 | 274,307,000 | 299,142,000 | 313,291,000 |