Call reports 2004
VALLEY COMMUNITY BANK — 2004
What VALLEY COMMUNITY 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 | 120,369,000 | 123,909,000 | 135,608,000 | 133,587,000 |
| Total loans | 91,704,000 | 91,211,000 | 100,073,000 | 97,755,000 |
| Allowance for loan losses | 804,000 | 890,000 | 981,000 | 931,000 |
| Securities available for sale | 20,767,000 | 22,585,000 | 22,842,000 | 21,699,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,964,000 | 113,046,000 | 123,938,000 | 121,928,000 |
| Interest-bearing deposits | 92,085,000 | 93,283,000 | 106,013,000 | 100,584,000 |
| Noninterest-bearing deposits | 17,879,000 | 19,763,000 | 17,925,000 | 21,344,000 |
| Equity capital | 9,019,000 | 8,782,000 | 9,945,000 | 9,994,000 |
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 | 1,545,000 | 3,143,000 | 4,875,000 | 6,664,000 |
| Interest expense | 417,000 | 842,000 | 1,339,000 | 1,849,000 |
| Net interest income | 1,128,000 | 2,301,000 | 3,536,000 | 4,815,000 |
| Noninterest income | 135,000 | 280,000 | 433,000 | 584,000 |
| Noninterest expense | 1,125,000 | 2,201,000 | 3,327,000 | 4,483,000 |
| Provision for loan losses | 28,000 | 119,000 | 192,000 | 240,000 |
| Pretax income | 116,000 | 267,000 | 455,000 | 682,000 |
| Income tax | 38,000 | 88,000 | 152,000 | 232,000 |
| Net income | 78,000 | 179,000 | 303,000 | 450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,915,000 | 9,016,000 | 9,990,000 | 10,137,000 |
| Total capital | 9,719,000 | 9,906,000 | 10,971,000 | 11,068,000 |
| Risk-weighted assets | 97,124,000 | 100,050,000 | 106,868,000 | 104,138,000 |