Call reports 2005
SONOMA VALLEY BANK — 2005
What SONOMA 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 | 226,743,000 | 231,578,000 | 232,403,000 | 244,141,000 |
| Total loans | 156,829,000 | 160,940,000 | 162,131,000 | 171,195,000 |
| Allowance for loan losses | 2,561,000 | 2,690,000 | 2,787,000 | 2,777,000 |
| Securities available for sale | 34,894,000 | 35,161,000 | 34,977,000 | 33,917,000 |
| Securities held to maturity | 17,054,000 | 17,029,000 | 16,789,000 | 16,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,277,000 | 201,458,000 | 206,037,000 | 216,670,000 |
| Interest-bearing deposits | 151,464,000 | 153,205,000 | 156,282,000 | 166,298,000 |
| Noninterest-bearing deposits | 44,813,000 | 48,253,000 | 49,755,000 | 50,372,000 |
| Equity capital | 19,511,000 | 20,537,000 | 21,377,000 | 22,460,000 |
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 | 3,171,000 | 6,548,000 | 10,051,000 | 13,702,000 |
| Interest expense | 468,000 | 1,061,000 | 1,699,000 | 2,402,000 |
| Net interest income | 2,703,000 | 5,487,000 | 8,352,000 | 11,300,000 |
| Noninterest income | 459,000 | 945,000 | 1,438,000 | 1,963,000 |
| Noninterest expense | 1,792,000 | 3,604,000 | 5,436,000 | 7,246,000 |
| Provision for loan losses | 90,000 | 250,000 | 345,000 | 360,000 |
| Pretax income | 1,280,000 | 2,578,000 | 4,014,000 | 5,662,000 |
| Income tax | 432,000 | 871,000 | 1,369,000 | 1,909,000 |
| Net income | 848,000 | 1,707,000 | 2,645,000 | 3,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,865,000 | 20,724,000 | 21,662,000 | 21,824,000 |
| Total capital | 22,331,000 | 23,206,000 | 24,183,000 | 24,514,000 |
| Risk-weighted assets | 197,201,000 | 198,318,000 | 201,399,000 | 215,132,000 |