Call reports 2005
PACIFIC VALLEY BANK — 2005
What PACIFIC 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 | 38,571,000 | 46,721,000 | 51,942,000 | 61,371,000 |
| Total loans | 18,944,000 | 26,965,000 | 32,996,000 | 39,095,000 |
| Allowance for loan losses | 237,000 | 338,000 | 432,000 | 509,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,546,000 | 35,925,000 | 38,066,000 | 47,554,000 |
| Interest-bearing deposits | 25,721,000 | 32,907,000 | 34,436,000 | 39,746,000 |
| Noninterest-bearing deposits | 1,825,000 | 3,018,000 | 3,630,000 | 7,808,000 |
| Equity capital | 10,901,000 | 10,640,000 | 10,704,000 | 10,656,000 |
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 | 347,000 | 842,000 | 1,513,000 | 2,338,000 |
| Interest expense | 109,000 | 291,000 | 529,000 | 890,000 |
| Net interest income | 238,000 | 551,000 | 984,000 | 1,448,000 |
| Noninterest income | 1,000 | 11,000 | 18,000 | 34,000 |
| Noninterest expense | 482,000 | 965,000 | 1,459,000 | 1,964,000 |
| Provision for loan losses | 91,000 | 192,000 | 286,000 | 363,000 |
| Pretax income | -334,000 | -595,000 | -743,000 | -845,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -335,000 | -596,000 | -744,000 | -846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,901,000 | 10,640,000 | 10,704,000 | 10,656,000 |
| Total capital | 11,138,000 | 10,960,000 | 11,052,000 | 11,089,000 |
| Risk-weighted assets | 18,233,000 | 25,570,000 | 27,782,000 | 34,590,000 |