Call reports 2006
TRI-VALLEY BANK — 2006
What TRI-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 | 41,664,000 | 43,666,000 | 62,707,000 | 64,102,000 |
| Total loans | 15,982,000 | 23,609,000 | 32,613,000 | 39,759,000 |
| Allowance for loan losses | 240,000 | 354,000 | 489,000 | 594,000 |
| Securities available for sale | 4,924,000 | 4,759,000 | 4,676,000 | 4,411,000 |
| Securities held to maturity | 881,000 | 1,266,000 | 4,626,000 | 6,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,052,000 | 28,493,000 | 47,805,000 | 49,169,000 |
| Interest-bearing deposits | 21,644,000 | 22,722,000 | 40,961,000 | 41,251,000 |
| Noninterest-bearing deposits | 4,408,000 | 5,771,000 | 6,843,000 | 7,918,000 |
| Equity capital | 15,136,000 | 14,522,000 | 14,190,000 | 14,416,000 |
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 | 499,000 | 1,159,000 | 2,062,000 | 3,128,000 |
| Interest expense | 121,000 | 287,000 | 582,000 | 1,069,000 |
| Net interest income | 378,000 | 872,000 | 1,480,000 | 2,059,000 |
| Noninterest income | 4,000 | 15,000 | 24,000 | 32,000 |
| Noninterest expense | 927,000 | 2,332,000 | 3,422,000 | 4,160,000 |
| Provision for loan losses | 147,000 | 261,000 | 396,000 | 501,000 |
| Pretax income | -692,000 | -1,706,000 | -2,314,000 | -2,570,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | -692,000 | -1,706,000 | -2,314,000 | -2,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,183,000 | 14,604,000 | 14,211,000 | 14,438,000 |
| Total capital | 15,538,000 | 15,024,000 | 14,870,000 | 15,150,000 |
| Risk-weighted assets | 28,250,000 | 35,191,000 | 52,686,000 | 58,269,000 |