Call reports 2008
PREMIER VALLEY BANK — 2008
What PREMIER VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 485,312,000 | 492,070,000 | 487,104,000 | 488,133,000 |
| Total loans | 338,828,000 | 350,442,000 | 367,988,000 | 375,120,000 |
| Allowance for loan losses | 5,204,000 | 5,774,000 | 6,527,000 | 5,326,000 |
| Securities available for sale | 93,034,000 | 80,362,000 | 75,472,000 | 66,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,671,000 | 428,369,000 | 410,479,000 | 395,911,000 |
| Interest-bearing deposits | 310,675,000 | 316,482,000 | 301,708,000 | 291,138,000 |
| Noninterest-bearing deposits | 103,996,000 | 111,887,000 | 108,771,000 | 104,773,000 |
| Equity capital | 59,219,000 | 58,286,000 | 57,513,000 | 56,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,255,000 | 14,125,000 | 20,880,000 | 27,352,000 |
| Interest expense | 2,271,000 | 4,096,000 | 5,713,000 | 6,995,000 |
| Net interest income | 4,984,000 | 10,029,000 | 15,167,000 | 20,357,000 |
| Noninterest income | 687,000 | 1,422,000 | 2,165,000 | 2,925,000 |
| Noninterest expense | 3,800,000 | 7,535,000 | 11,165,000 | 16,922,000 |
| Provision for loan losses | 270,000 | 945,000 | 1,858,000 | 5,375,000 |
| Pretax income | 1,601,000 | 2,971,000 | 4,309,000 | 961,000 |
| Income tax | 583,000 | 1,077,000 | 1,550,000 | -50,000 |
| Net income | 1,018,000 | 1,894,000 | 2,759,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,063,000 | 42,933,000 | 43,284,000 | 41,310,000 |
| Total capital | 48,071,000 | 47,948,000 | 48,460,000 | 46,577,000 |
| Risk-weighted assets | 400,201,000 | 400,303,000 | 412,424,000 | 421,142,000 |
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