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 | 431,390,000 | 458,053,000 | 480,473,000 | 491,294,000 |
| Total loans | 293,936,000 | 319,956,000 | 341,339,000 | 343,828,000 |
| Allowance for loan losses | 2,465,000 | 3,032,000 | 3,252,000 | 3,302,000 |
| Securities available for sale | 84,395,000 | 92,849,000 | 90,679,000 | 73,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 8,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,024,000 | 363,823,000 | 379,088,000 | 394,289,000 |
| Interest-bearing deposits | 311,030,000 | 323,184,000 | 332,220,000 | 349,075,000 |
| Noninterest-bearing deposits | 37,994,000 | 40,639,000 | 46,868,000 | 45,214,000 |
| Equity capital | 31,396,000 | 36,809,000 | 37,134,000 | 37,755,000 |
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 | 5,805,000 | 12,529,000 | 20,239,000 | 28,075,000 |
| Interest expense | 2,255,000 | 4,796,000 | 7,818,000 | 11,290,000 |
| Net interest income | 3,550,000 | 7,733,000 | 12,421,000 | 16,785,000 |
| Noninterest income | 1,248,000 | 3,164,000 | 5,381,000 | 7,287,000 |
| Noninterest expense | 3,535,000 | 7,973,000 | 12,736,000 | 17,098,000 |
| Provision for loan losses | 150,000 | 825,000 | 1,300,000 | 1,474,000 |
| Pretax income | 1,112,000 | 2,094,000 | 3,754,000 | 5,383,000 |
| Income tax | 319,000 | 786,000 | 1,329,000 | 1,811,000 |
| Net income | 793,000 | 1,308,000 | 2,425,000 | 3,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,538,000 | 35,818,000 | 36,377,000 | 37,525,000 |
| Total capital | 33,003,000 | 38,850,000 | 39,629,000 | 40,827,000 |
| Risk-weighted assets | 323,541,000 | 352,326,000 | 375,135,000 | 393,352,000 |