Call reports 2006
SONOMA VALLEY BANK — 2006
What SONOMA VALLEY 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 | 251,249,000 | 266,014,000 | 268,265,000 | 277,094,000 |
| Total loans | 184,637,000 | 206,187,000 | 209,621,000 | 219,608,000 |
| Allowance for loan losses | 2,833,000 | 3,066,000 | 3,101,000 | 3,277,000 |
| Securities available for sale | 26,856,000 | 24,821,000 | 23,724,000 | 20,991,000 |
| Securities held to maturity | 16,477,000 | 15,704,000 | 15,819,000 | 15,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,344,000 | 219,834,000 | 228,197,000 | 233,450,000 |
| Interest-bearing deposits | 167,384,000 | 163,831,000 | 174,714,000 | 174,027,000 |
| Noninterest-bearing deposits | 56,960,000 | 56,003,000 | 53,483,000 | 59,423,000 |
| Equity capital | 22,488,000 | 23,514,000 | 24,790,000 | 25,237,000 |
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 | 3,759,000 | 7,995,000 | 12,552,000 | 17,380,000 |
| Interest expense | 781,000 | 1,812,000 | 3,071,000 | 4,458,000 |
| Net interest income | 2,978,000 | 6,183,000 | 9,481,000 | 12,922,000 |
| Noninterest income | 505,000 | 1,024,000 | 1,558,000 | 2,093,000 |
| Noninterest expense | 1,847,000 | 3,680,000 | 5,719,000 | 7,722,000 |
| Provision for loan losses | 50,000 | 290,000 | 320,000 | 500,000 |
| Pretax income | 1,586,000 | 3,237,000 | 5,000,000 | 6,793,000 |
| Income tax | 560,000 | 1,149,000 | 1,784,000 | 2,422,000 |
| Net income | 1,026,000 | 2,088,000 | 3,216,000 | 4,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,536,000 | 23,471,000 | 24,561,000 | 25,024,000 |
| Total capital | 25,369,000 | 26,537,000 | 27,662,000 | 28,223,000 |
| Risk-weighted assets | 227,693,000 | 247,743,000 | 248,282,000 | 255,826,000 |