Call reports 2008
VALLEY STATE BANK, THE — 2008
What VALLEY STATE BANK, THE 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 | 108,679,000 | 113,931,000 | 111,357,000 | 112,076,000 |
| Total loans | 60,356,000 | 61,943,000 | 62,399,000 | 62,101,000 |
| Allowance for loan losses | 691,000 | 680,000 | 676,000 | 702,000 |
| Securities available for sale | 42,271,000 | 47,932,000 | 43,520,000 | 44,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,624,000 | 102,626,000 | 99,772,000 | 99,704,000 |
| Interest-bearing deposits | 86,707,000 | 93,455,000 | 89,889,000 | 90,902,000 |
| Noninterest-bearing deposits | 9,917,000 | 9,171,000 | 9,883,000 | 8,802,000 |
| Equity capital | 11,272,000 | 10,509,000 | 11,030,000 | 11,576,000 |
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 | 1,621,000 | 3,340,000 | 4,983,000 | 6,518,000 |
| Interest expense | 777,000 | 1,516,000 | 2,227,000 | 2,904,000 |
| Net interest income | 844,000 | 1,824,000 | 2,756,000 | 3,614,000 |
| Noninterest income | 67,000 | 187,000 | 305,000 | 414,000 |
| Noninterest expense | 604,000 | 1,263,000 | 1,890,000 | 2,598,000 |
| Provision for loan losses | 15,000 | 30,000 | 70,000 | 118,000 |
| Pretax income | 312,000 | 747,000 | 1,106,000 | 1,318,000 |
| Income tax | 72,000 | 196,000 | 291,000 | 329,000 |
| Net income | 240,000 | 551,000 | 815,000 | 989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,863,000 | 10,974,000 | 11,238,000 | 11,312,000 |
| Total capital | 11,555,000 | 11,656,000 | 11,914,000 | 12,014,000 |
| Risk-weighted assets | 58,231,000 | 59,425,000 | 60,754,000 | 59,078,000 |
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