Call reports 2009
BELT VALLEY BANK — 2009
What BELT VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 58,292,000 | 58,312,000 | 58,263,000 | 61,802,000 |
| Total loans | 42,582,000 | 44,145,000 | 44,590,000 | 44,223,000 |
| Allowance for loan losses | 390,000 | 470,000 | 413,000 | 475,000 |
| Securities available for sale | 10,271,000 | 9,447,000 | 7,484,000 | 12,452,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,718,000 | 50,822,000 | 50,661,000 | 54,794,000 |
| Interest-bearing deposits | 45,293,000 | 45,323,000 | 45,360,000 | 47,167,000 |
| Noninterest-bearing deposits | 5,425,000 | 5,499,000 | 5,301,000 | 7,627,000 |
| Equity capital | 7,039,000 | 7,036,000 | 7,129,000 | 6,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,771,000 | 2,683,000 | 3,411,000 |
| Interest expense | 352,000 | 697,000 | 1,038,000 | 1,356,000 |
| Net interest income | 537,000 | 1,074,000 | 1,645,000 | 2,055,000 |
| Noninterest income | 40,000 | 85,000 | 131,000 | 176,000 |
| Noninterest expense | 362,000 | 762,000 | 1,128,000 | 1,561,000 |
| Provision for loan losses | -2,000 | 75,000 | 269,000 | 752,000 |
| Pretax income | 217,000 | 322,000 | 379,000 | -82,000 |
| Income tax | 76,000 | 153,000 | 157,000 | 2,000 |
| Net income | 141,000 | 169,000 | 222,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,009,000 | 7,037,000 | 7,090,000 | 6,784,000 |
| Total capital | 7,399,000 | 7,507,000 | 7,504,000 | 7,259,000 |
| Risk-weighted assets | 43,598,000 | 44,622,000 | 45,694,000 | 45,304,000 |
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