Call reports 2004
CENTRAL VALLEY BANK — 2004
What CENTRAL VALLEY 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 | 118,014,000 | 120,395,000 | 119,156,000 | 121,105,000 |
| Total loans | 96,344,000 | 98,807,000 | 98,048,000 | 99,682,000 |
| Allowance for loan losses | 1,160,000 | 1,284,000 | 1,321,000 | 1,290,000 |
| Securities available for sale | 10,428,000 | 11,333,000 | 11,062,000 | 10,782,000 |
| Securities held to maturity | 1,215,000 | 1,148,000 | 1,261,000 | 1,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,476,000 | 93,261,000 | 91,419,000 | 95,040,000 |
| Interest-bearing deposits | 82,078,000 | 83,759,000 | 82,403,000 | 85,964,000 |
| Noninterest-bearing deposits | 8,398,000 | 9,502,000 | 9,016,000 | 9,076,000 |
| Equity capital | 13,474,000 | 13,090,000 | 13,214,000 | 13,194,000 |
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 | 2,079,000 | 4,009,000 | 6,011,000 | 7,991,000 |
| Interest expense | 571,000 | 1,144,000 | 1,701,000 | 2,249,000 |
| Net interest income | 1,508,000 | 2,865,000 | 4,310,000 | 5,742,000 |
| Noninterest income | 179,000 | 388,000 | 606,000 | 826,000 |
| Noninterest expense | 797,000 | 1,572,000 | 2,309,000 | 3,095,000 |
| Provision for loan losses | 153,000 | 636,000 | 821,000 | 1,018,000 |
| Pretax income | 737,000 | 1,045,000 | 1,789,000 | 2,458,000 |
| Income tax | 264,000 | 372,000 | 637,000 | 874,000 |
| Net income | 473,000 | 673,000 | 1,152,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,047,000 | 9,858,000 | 9,947,000 | 9,989,000 |
| Total capital | 11,087,000 | 10,925,000 | 11,016,000 | 11,079,000 |
| Risk-weighted assets | 83,183,000 | 85,146,000 | 84,491,000 | 86,230,000 |