Call reports 2006
VALLEY BUSINESS BANK — 2006
What VALLEY BUSINESS 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 | 225,779,000 | 241,683,000 | 262,898,000 | 263,548,000 |
| Total loans | 146,739,000 | 164,232,000 | 182,538,000 | 184,078,000 |
| Allowance for loan losses | 1,766,000 | 1,745,000 | 1,746,000 | 1,746,000 |
| Securities available for sale | 52,617,000 | 55,565,000 | 56,803,000 | 55,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,217,000 | 195,078,000 | 197,727,000 | 207,689,000 |
| Interest-bearing deposits | 123,285,000 | 128,534,000 | 129,776,000 | 185,465,000 |
| Noninterest-bearing deposits | 66,932,000 | 66,544,000 | 67,951,000 | 22,224,000 |
| Equity capital | 25,173,000 | 25,570,000 | 27,241,000 | 28,130,000 |
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 | 3,813,000 | 7,804,000 | 12,253,000 | 16,815,000 |
| Interest expense | 974,000 | 2,092,000 | 3,571,000 | 5,297,000 |
| Net interest income | 2,839,000 | 5,712,000 | 8,682,000 | 11,518,000 |
| Noninterest income | 211,000 | 434,000 | 695,000 | 977,000 |
| Noninterest expense | 1,829,000 | 3,653,000 | 5,414,000 | 7,264,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,221,000 | 2,440,000 | 3,910,000 | 5,178,000 |
| Income tax | 433,000 | 869,000 | 1,397,000 | 1,842,000 |
| Net income | 788,000 | 1,571,000 | 2,513,000 | 3,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,721,000 | 26,520,000 | 27,477,000 | 28,336,000 |
| Total capital | 27,527,000 | 28,305,000 | 29,263,000 | 30,122,000 |
| Risk-weighted assets | 170,151,000 | 187,678,000 | 209,060,000 | 212,261,000 |