Call reports 2010
VALLEY STATE BANK, THE — 2010
What VALLEY STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 116,974,000 | 119,622,000 | 115,040,000 | 117,513,000 |
| Total loans | 59,091,000 | 60,556,000 | 58,110,000 | 58,400,000 |
| Allowance for loan losses | 891,000 | 893,000 | 1,027,000 | 963,000 |
| Securities available for sale | 51,397,000 | 53,771,000 | 51,717,000 | 53,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,171,000 | 104,530,000 | 99,989,000 | 103,290,000 |
| Interest-bearing deposits | 93,940,000 | 93,684,000 | 91,452,000 | 93,770,000 |
| Noninterest-bearing deposits | 9,231,000 | 10,846,000 | 8,537,000 | 9,520,000 |
| Equity capital | 12,951,000 | 13,407,000 | 13,570,000 | 13,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,757,000 | 4,093,000 | 5,427,000 |
| Interest expense | 481,000 | 937,000 | 1,370,000 | 1,787,000 |
| Net interest income | 885,000 | 1,820,000 | 2,723,000 | 3,640,000 |
| Noninterest income | 126,000 | 281,000 | 372,000 | 516,000 |
| Noninterest expense | 727,000 | 1,442,000 | 2,173,000 | 3,020,000 |
| Provision for loan losses | 70,000 | 155,000 | 365,000 | 405,000 |
| Pretax income | 377,000 | 671,000 | 1,040,000 | 1,352,000 |
| Income tax | 106,000 | 183,000 | 283,000 | 359,000 |
| Net income | 271,000 | 488,000 | 757,000 | 993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,319,000 | 12,485,000 | 12,755,000 | 12,853,000 |
| Total capital | 13,014,000 | 13,206,000 | 13,466,000 | 13,573,000 |
| Risk-weighted assets | 55,366,000 | 57,514,000 | 56,526,000 | 57,344,000 |
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