Call reports 2005
CENTRAL VALLEY BANK — 2005
What CENTRAL VALLEY 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 | 118,867,000 | 128,496,000 | 122,551,000 | 130,662,000 |
| Total loans | 98,703,000 | 104,286,000 | 102,871,000 | 106,014,000 |
| Allowance for loan losses | 1,356,000 | 1,348,000 | 1,404,000 | 1,431,000 |
| Securities available for sale | 8,432,000 | 9,290,000 | 9,001,000 | 8,758,000 |
| Securities held to maturity | 1,509,000 | 1,394,000 | 793,000 | 793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,956,000 | 94,286,000 | 92,992,000 | 105,717,000 |
| Interest-bearing deposits | 84,611,000 | 84,546,000 | 82,886,000 | 92,640,000 |
| Noninterest-bearing deposits | 9,345,000 | 9,740,000 | 10,106,000 | 13,077,000 |
| Equity capital | 13,178,000 | 13,241,000 | 13,230,000 | 13,123,000 |
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 | 2,101,000 | 4,186,000 | 6,201,000 | 8,209,000 |
| Interest expense | 542,000 | 1,113,000 | 1,738,000 | 2,457,000 |
| Net interest income | 1,559,000 | 3,073,000 | 4,463,000 | 5,752,000 |
| Noninterest income | 183,000 | 399,000 | 624,000 | 855,000 |
| Noninterest expense | 773,000 | 1,624,000 | 2,465,000 | 3,376,000 |
| Provision for loan losses | 256,000 | 466,000 | 612,000 | 715,000 |
| Pretax income | 713,000 | 1,382,000 | 2,010,000 | 2,516,000 |
| Income tax | 254,000 | 487,000 | 708,000 | 887,000 |
| Net income | 459,000 | 895,000 | 1,302,000 | 1,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,058,000 | 10,103,000 | 10,120,000 | 10,056,000 |
| Total capital | 11,123,000 | 11,249,000 | 11,243,000 | 11,238,000 |
| Risk-weighted assets | 84,920,000 | 91,497,000 | 89,583,000 | 94,336,000 |