Call reports 2005
VALLEY CENTRAL BANK — 2005
What VALLEY CENTRAL 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 | 80,199,000 | 79,993,000 | 78,777,000 | 79,280,000 |
| Total loans | 50,808,000 | 50,996,000 | 52,444,000 | 52,300,000 |
| Allowance for loan losses | 262,000 | 267,000 | 273,000 | 279,000 |
| Securities available for sale | 14,543,000 | 14,127,000 | 13,374,000 | 12,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,773,000 | 55,341,000 | 54,055,000 | 54,242,000 |
| Interest-bearing deposits | 55,484,000 | 54,959,000 | 53,688,000 | 53,919,000 |
| Noninterest-bearing deposits | 289,000 | 382,000 | 367,000 | 323,000 |
| Equity capital | 22,902,000 | 23,210,000 | 23,318,000 | 23,651,000 |
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 | 1,011,000 | 2,043,000 | 3,097,000 | 4,192,000 |
| Interest expense | 250,000 | 531,000 | 834,000 | 1,171,000 |
| Net interest income | 761,000 | 1,512,000 | 2,263,000 | 3,021,000 |
| Noninterest income | 8,000 | 18,000 | 26,000 | 34,000 |
| Noninterest expense | 355,000 | 720,000 | 1,074,000 | 1,439,000 |
| Provision for loan losses | 7,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 407,000 | 798,000 | 1,197,000 | 1,592,000 |
| Income tax | 140,000 | 274,000 | 409,000 | 543,000 |
| Net income | 267,000 | 524,000 | 788,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,117,000 | 22,373,000 | 22,638,000 | 22,898,000 |
| Total capital | 22,916,000 | 23,195,000 | 23,392,000 | 23,732,000 |
| Risk-weighted assets | 39,231,000 | 39,368,000 | 39,758,000 | 39,896,000 |