Call reports 2004
SONOMA VALLEY BANK — 2004
What SONOMA 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 | 203,770,000 | 209,711,000 | 210,015,000 | 218,287,000 |
| Total loans | 132,138,000 | 141,855,000 | 146,919,000 | 153,161,000 |
| Allowance for loan losses | 2,374,000 | 2,386,000 | 2,382,000 | 2,429,000 |
| Securities available for sale | 22,217,000 | 24,306,000 | 23,519,000 | 20,254,000 |
| Securities held to maturity | 17,221,000 | 17,724,000 | 17,795,000 | 17,418,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,278,000 | 188,672,000 | 187,761,000 | 194,325,000 |
| Interest-bearing deposits | 141,093,000 | 143,866,000 | 141,681,000 | 149,106,000 |
| Noninterest-bearing deposits | 38,185,000 | 44,806,000 | 46,080,000 | 45,219,000 |
| Equity capital | 21,184,000 | 17,574,000 | 18,537,000 | 19,374,000 |
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 | 2,605,000 | 5,455,000 | 8,443,000 | 11,558,000 |
| Interest expense | 382,000 | 760,000 | 1,144,000 | 1,554,000 |
| Net interest income | 2,223,000 | 4,695,000 | 7,299,000 | 10,004,000 |
| Noninterest income | 421,000 | 812,000 | 1,264,000 | 1,710,000 |
| Noninterest expense | 1,681,000 | 3,428,000 | 5,200,000 | 6,921,000 |
| Provision for loan losses | 0 | 30,000 | 70,000 | 130,000 |
| Pretax income | 963,000 | 2,049,000 | 3,293,000 | 4,663,000 |
| Income tax | 299,000 | 653,000 | 1,067,000 | 1,540,000 |
| Net income | 664,000 | 1,396,000 | 2,226,000 | 3,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,979,000 | 17,384,000 | 18,620,000 | 19,517,000 |
| Total capital | 23,148,000 | 19,652,000 | 20,949,000 | 21,934,000 |
| Risk-weighted assets | 173,286,000 | 181,316,000 | 186,271,000 | 193,349,000 |