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 | 541,500,000 | 556,285,000 | 558,810,000 | 553,997,000 |
| Total loans | 361,403,000 | 374,451,000 | 387,470,000 | 394,118,000 |
| Allowance for loan losses | 3,437,000 | 3,637,000 | 3,809,000 | 3,969,000 |
| Securities available for sale | 84,758,000 | 112,021,000 | 104,703,000 | 83,889,000 |
| Securities held to maturity | 8,377,000 | 9,646,000 | 25,483,000 | 29,970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,194,000 | 469,740,000 | 455,399,000 | 444,171,000 |
| Interest-bearing deposits | 400,912,000 | 425,663,000 | 409,173,000 | 395,454,000 |
| Noninterest-bearing deposits | 46,282,000 | 44,077,000 | 46,226,000 | 48,717,000 |
| Equity capital | 38,368,000 | 39,101,000 | 40,986,000 | 42,921,000 |
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 | 8,386,000 | 18,304,000 | 28,664,000 | 38,797,000 |
| Interest expense | 3,721,000 | 8,412,000 | 13,495,000 | 19,018,000 |
| Net interest income | 4,665,000 | 9,892,000 | 15,169,000 | 19,779,000 |
| Noninterest income | 1,417,000 | 3,393,000 | 5,483,000 | 7,965,000 |
| Noninterest expense | 4,308,000 | 9,239,000 | 14,431,000 | 19,439,000 |
| Provision for loan losses | 43,000 | 321,000 | 576,000 | 831,000 |
| Pretax income | 1,718,000 | 3,697,000 | 5,601,000 | 7,514,000 |
| Income tax | 390,000 | 1,044,000 | 1,652,000 | 2,132,000 |
| Net income | 1,328,000 | 2,653,000 | 3,949,000 | 5,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,253,000 | 39,578,000 | 40,505,000 | 42,439,000 |
| Total capital | 41,690,000 | 43,215,000 | 44,314,000 | 46,408,000 |
| Risk-weighted assets | 414,678,000 | 427,377,000 | 444,088,000 | 448,887,000 |