Call reports 2006
VALLEY COMMUNITY BANK — 2006
What VALLEY COMMUNITY 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 | 147,696,000 | 150,047,000 | 155,371,000 | 154,403,000 |
| Total loans | 117,181,000 | 122,276,000 | 128,369,000 | 125,904,000 |
| Allowance for loan losses | 1,248,000 | 1,262,000 | 1,310,000 | 1,335,000 |
| Securities available for sale | 20,371,000 | 21,346,000 | 21,119,000 | 20,110,000 |
| Securities held to maturity | 175,000 | 175,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,548,000 | 129,875,000 | 133,797,000 | 136,975,000 |
| Interest-bearing deposits | 110,415,000 | 107,783,000 | 112,961,000 | 116,922,000 |
| Noninterest-bearing deposits | 21,133,000 | 22,092,000 | 20,836,000 | 20,053,000 |
| Equity capital | 11,374,000 | 11,033,000 | 11,814,000 | 12,055,000 |
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 | 2,277,000 | 4,659,000 | 7,230,000 | 9,919,000 |
| Interest expense | 845,000 | 1,787,000 | 2,829,000 | 4,000,000 |
| Net interest income | 1,432,000 | 2,872,000 | 4,401,000 | 5,919,000 |
| Noninterest income | 149,000 | 296,000 | 470,000 | 582,000 |
| Noninterest expense | 1,290,000 | 2,592,000 | 3,938,000 | 5,229,000 |
| Provision for loan losses | 17,000 | 32,000 | 79,000 | 104,000 |
| Pretax income | 274,000 | 544,000 | 854,000 | 1,168,000 |
| Income tax | 92,000 | 184,000 | 289,000 | 396,000 |
| Net income | 182,000 | 360,000 | 565,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,755,000 | 11,434,000 | 12,038,000 | 12,251,000 |
| Total capital | 13,003,000 | 12,696,000 | 13,348,000 | 13,586,000 |
| Risk-weighted assets | 125,851,000 | 126,436,000 | 132,285,000 | 131,310,000 |