Call reports 2005
VALLEY COMMUNITY BANK — 2005
What VALLEY COMMUNITY 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 | 134,482,000 | 134,516,000 | 143,913,000 | 146,261,000 |
| Total loans | 100,350,000 | 104,680,000 | 112,180,000 | 119,230,000 |
| Allowance for loan losses | 975,000 | 1,048,000 | 1,134,000 | 1,230,000 |
| Securities available for sale | 23,397,000 | 23,600,000 | 20,903,000 | 20,932,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,055,000 | 122,330,000 | 128,820,000 | 129,752,000 |
| Interest-bearing deposits | 101,779,000 | 101,674,000 | 109,368,000 | 108,577,000 |
| Noninterest-bearing deposits | 18,276,000 | 20,656,000 | 19,452,000 | 21,175,000 |
| Equity capital | 9,917,000 | 10,194,000 | 10,376,000 | 11,240,000 |
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 | 1,789,000 | 3,701,000 | 5,781,000 | 8,089,000 |
| Interest expense | 545,000 | 1,149,000 | 1,812,000 | 2,583,000 |
| Net interest income | 1,244,000 | 2,552,000 | 3,969,000 | 5,506,000 |
| Noninterest income | 154,000 | 311,000 | 476,000 | 626,000 |
| Noninterest expense | 1,168,000 | 2,361,000 | 3,559,000 | 4,809,000 |
| Provision for loan losses | 48,000 | 91,000 | 176,000 | 284,000 |
| Pretax income | 182,000 | 411,000 | 710,000 | 1,039,000 |
| Income tax | 60,000 | 138,000 | 239,000 | 351,000 |
| Net income | 122,000 | 273,000 | 471,000 | 688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,259,000 | 10,410,000 | 10,708,000 | 11,576,000 |
| Total capital | 11,234,000 | 11,458,000 | 11,842,000 | 12,806,000 |
| Risk-weighted assets | 107,739,000 | 109,877,000 | 117,003,000 | 123,728,000 |