Call reports 2005
VALLEY BUSINESS BANK — 2005
What VALLEY BUSINESS 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 | 192,480,000 | 200,266,000 | 219,772,000 | 227,661,000 |
| Total loans | 120,282,000 | 133,606,000 | 146,718,000 | 151,757,000 |
| Allowance for loan losses | 1,432,000 | 1,612,000 | 1,768,000 | 1,766,000 |
| Securities available for sale | 46,794,000 | 50,813,000 | 51,646,000 | 50,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,775,000 | 166,611,000 | 174,635,000 | 192,833,000 |
| Interest-bearing deposits | 104,841,000 | 102,646,000 | 104,513,000 | 117,162,000 |
| Noninterest-bearing deposits | 54,934,000 | 63,965,000 | 70,122,000 | 75,671,000 |
| Equity capital | 22,564,000 | 23,454,000 | 23,960,000 | 24,514,000 |
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 | 2,585,000 | 5,519,000 | 8,871,000 | 12,538,000 |
| Interest expense | 501,000 | 1,054,000 | 1,706,000 | 2,474,000 |
| Net interest income | 2,084,000 | 4,465,000 | 7,165,000 | 10,064,000 |
| Noninterest income | 221,000 | 446,000 | 678,000 | 888,000 |
| Noninterest expense | 1,551,000 | 3,068,000 | 4,748,000 | 6,510,000 |
| Provision for loan losses | 31,000 | 212,000 | 368,000 | 368,000 |
| Pretax income | 723,000 | 1,631,000 | 2,727,000 | 4,025,000 |
| Income tax | 282,000 | 630,000 | 1,057,000 | 1,571,000 |
| Net income | 441,000 | 1,001,000 | 1,670,000 | 2,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,866,000 | 23,442,000 | 24,126,000 | 24,926,000 |
| Total capital | 24,338,000 | 25,094,000 | 25,934,000 | 26,732,000 |
| Risk-weighted assets | 133,730,000 | 146,151,000 | 160,831,000 | 170,688,000 |