Call reports 2009
VALLEY STATE BANK, THE — 2009
What VALLEY STATE BANK, THE 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 | 113,260,000 | 110,171,000 | 112,903,000 | 115,432,000 |
| Total loans | 61,774,000 | 62,053,000 | 61,248,000 | 60,565,000 |
| Allowance for loan losses | 680,000 | 782,000 | 860,000 | 812,000 |
| Securities available for sale | 46,216,000 | 43,501,000 | 44,136,000 | 48,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,270,000 | 97,187,000 | 99,043,000 | 102,064,000 |
| Interest-bearing deposits | 90,930,000 | 87,700,000 | 89,747,000 | 92,946,000 |
| Noninterest-bearing deposits | 9,340,000 | 9,487,000 | 9,296,000 | 9,118,000 |
| Equity capital | 11,995,000 | 12,178,000 | 12,837,000 | 12,619,000 |
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 | 1,488,000 | 3,013,000 | 4,513,000 | 5,972,000 |
| Interest expense | 592,000 | 1,150,000 | 1,690,000 | 2,220,000 |
| Net interest income | 896,000 | 1,863,000 | 2,823,000 | 3,752,000 |
| Noninterest income | 114,000 | 237,000 | 352,000 | 470,000 |
| Noninterest expense | 726,000 | 1,381,000 | 2,069,000 | 2,872,000 |
| Provision for loan losses | 120,000 | 285,000 | 385,000 | 385,000 |
| Pretax income | 177,000 | 447,000 | 790,000 | 1,284,000 |
| Income tax | 25,000 | 90,000 | 151,000 | 298,000 |
| Net income | 152,000 | 357,000 | 639,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,464,000 | 11,619,000 | 11,901,000 | 12,048,000 |
| Total capital | 12,144,000 | 12,329,000 | 12,636,000 | 12,770,000 |
| Risk-weighted assets | 58,231,000 | 58,124,000 | 58,301,000 | 57,693,000 |
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