Call reports 2004
VALLEY CENTRAL BANK — 2004
What VALLEY CENTRAL 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 | 81,019,000 | 80,340,000 | 80,369,000 | 80,459,000 |
| Total loans | 52,046,000 | 49,860,000 | 50,400,000 | 49,653,000 |
| Allowance for loan losses | 266,000 | 260,000 | 255,000 | 255,000 |
| Securities available for sale | 14,300,000 | 14,164,000 | 15,569,000 | 15,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,703,000 | 56,917,000 | 56,453,000 | 56,203,000 |
| Interest-bearing deposits | 57,485,000 | 56,611,000 | 56,129,000 | 55,908,000 |
| Noninterest-bearing deposits | 218,000 | 306,000 | 324,000 | 295,000 |
| Equity capital | 21,849,000 | 22,073,000 | 22,468,000 | 22,815,000 |
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 | 1,020,000 | 2,036,000 | 3,043,000 | 4,029,000 |
| Interest expense | 259,000 | 499,000 | 742,000 | 997,000 |
| Net interest income | 761,000 | 1,537,000 | 2,301,000 | 3,032,000 |
| Noninterest income | 8,000 | 16,000 | 24,000 | 33,000 |
| Noninterest expense | 348,000 | 707,000 | 1,051,000 | 1,411,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 418,000 | 840,000 | 1,265,000 | 1,642,000 |
| Income tax | 142,000 | 286,000 | 430,000 | 558,000 |
| Net income | 276,000 | 554,000 | 835,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,041,000 | 21,319,000 | 21,598,000 | 21,849,000 |
| Total capital | 21,808,000 | 22,116,000 | 22,408,000 | 22,732,000 |
| Risk-weighted assets | 38,934,000 | 37,169,000 | 38,087,000 | 38,425,000 |