Call reports 2006
VALLEY CENTRAL BANK — 2006
What VALLEY CENTRAL 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 | 79,248,000 | 79,185,000 | 79,430,000 | 79,208,000 |
| Total loans | 52,277,000 | 52,586,000 | 53,009,000 | 53,103,000 |
| Allowance for loan losses | 290,000 | 296,000 | 263,000 | 293,000 |
| Securities available for sale | 12,964,000 | 13,300,000 | 13,229,000 | 12,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,921,000 | 53,800,000 | 53,530,000 | 53,131,000 |
| Interest-bearing deposits | 53,583,000 | 53,405,000 | 52,993,000 | 52,753,000 |
| Noninterest-bearing deposits | 338,000 | 395,000 | 537,000 | 378,000 |
| Equity capital | 23,834,000 | 24,008,000 | 24,400,000 | 24,662,000 |
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 | 1,094,000 | 2,211,000 | 3,343,000 | 4,477,000 |
| Interest expense | 343,000 | 722,000 | 1,142,000 | 1,581,000 |
| Net interest income | 751,000 | 1,489,000 | 2,201,000 | 2,896,000 |
| Noninterest income | 7,000 | 14,000 | 21,000 | 28,000 |
| Noninterest expense | 372,000 | 744,000 | 1,106,000 | 1,484,000 |
| Provision for loan losses | 6,000 | 12,000 | 34,000 | 64,000 |
| Pretax income | 380,000 | 747,000 | 1,082,000 | 1,376,000 |
| Income tax | 129,000 | 254,000 | 368,000 | 434,000 |
| Net income | 251,000 | 493,000 | 714,000 | 942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,149,000 | 23,391,000 | 23,612,000 | 23,840,000 |
| Total capital | 23,957,000 | 24,171,000 | 24,439,000 | 24,710,000 |
| Risk-weighted assets | 39,267,000 | 41,109,000 | 40,457,000 | 40,268,000 |