Call reports 2004
VALLEY BUSINESS BANK — 2004
What VALLEY BUSINESS 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 | 141,163,000 | 152,675,000 | 162,654,000 | 186,958,000 |
| Total loans | 104,967,000 | 106,885,000 | 107,795,000 | 116,235,000 |
| Allowance for loan losses | 1,430,000 | 1,312,000 | 1,357,000 | 1,401,000 |
| Securities available for sale | 19,535,000 | 28,196,000 | 31,610,000 | 38,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,484,000 | 130,662,000 | 139,495,000 | 160,643,000 |
| Interest-bearing deposits | 80,074,000 | 87,620,000 | 90,278,000 | 98,030,000 |
| Noninterest-bearing deposits | 39,410,000 | 43,042,000 | 49,217,000 | 62,613,000 |
| Equity capital | 14,161,000 | 14,091,000 | 14,721,000 | 15,027,000 |
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 | 1,915,000 | 3,869,000 | 6,422,000 | 8,756,000 |
| Interest expense | 315,000 | 654,000 | 1,019,000 | 1,472,000 |
| Net interest income | 1,600,000 | 3,215,000 | 5,403,000 | 7,284,000 |
| Noninterest income | 199,000 | 447,000 | 1,063,000 | 1,310,000 |
| Noninterest expense | 1,280,000 | 2,624,000 | 4,065,000 | 5,501,000 |
| Provision for loan losses | 35,000 | 35,000 | 75,000 | 138,000 |
| Pretax income | 491,000 | 1,010,000 | 2,333,000 | 2,962,000 |
| Income tax | 182,000 | 387,000 | 962,000 | 1,166,000 |
| Net income | 309,000 | 623,000 | 1,371,000 | 1,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,836,000 | 14,165,000 | 14,469,000 | 14,910,000 |
| Total capital | 15,179,000 | 15,522,000 | 15,866,000 | 16,351,000 |
| Risk-weighted assets | 107,302,000 | 113,553,000 | 115,387,000 | 130,422,000 |