Call reports 2009
PREMIER VALLEY BANK — 2009
What PREMIER 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 | 474,922,000 | 481,896,000 | 486,876,000 | 474,454,000 |
| Total loans | 368,860,000 | 363,896,000 | 371,143,000 | 373,308,000 |
| Allowance for loan losses | 6,106,000 | 7,075,000 | 6,960,000 | 6,955,000 |
| Securities available for sale | 60,065,000 | 58,330,000 | 53,487,000 | 55,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,348,000 | 415,775,000 | 420,251,000 | 403,128,000 |
| Interest-bearing deposits | 295,351,000 | 292,838,000 | 293,570,000 | 281,694,000 |
| Noninterest-bearing deposits | 113,997,000 | 122,937,000 | 126,681,000 | 121,434,000 |
| Equity capital | 56,555,000 | 57,988,000 | 59,457,000 | 59,666,000 |
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 | 6,010,000 | 11,927,000 | 17,594,000 | 23,268,000 |
| Interest expense | 968,000 | 1,868,000 | 2,743,000 | 3,562,000 |
| Net interest income | 5,042,000 | 10,059,000 | 14,851,000 | 19,706,000 |
| Noninterest income | 559,000 | 1,209,000 | 1,848,000 | 1,965,000 |
| Noninterest expense | 3,304,000 | 6,876,000 | 10,348,000 | 13,726,000 |
| Provision for loan losses | 1,390,000 | 2,750,000 | 4,290,000 | 5,390,000 |
| Pretax income | 907,000 | 1,642,000 | 2,061,000 | 2,524,000 |
| Income tax | 301,000 | 535,000 | 623,000 | 724,000 |
| Net income | 606,000 | 1,107,000 | 1,438,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,957,000 | 43,652,000 | 44,311,000 | 44,780,000 |
| Total capital | 48,211,000 | 48,883,000 | 49,451,000 | 50,117,000 |
| Risk-weighted assets | 419,331,000 | 414,561,000 | 407,187,000 | 418,677,000 |
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