Call reports 2008
VALLEY BANK OF GLASGOW — 2008
What VALLEY BANK OF GLASGOW 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 | 33,686,000 | 31,756,000 | 30,631,000 | 31,562,000 |
| Total loans | 20,094,000 | 21,230,000 | 22,665,000 | 20,748,000 |
| Allowance for loan losses | 213,000 | 215,000 | 424,000 | 196,000 |
| Securities available for sale | 3,705,000 | 5,164,000 | 5,437,000 | 5,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,225,000 | 28,337,000 | 27,349,000 | 28,659,000 |
| Interest-bearing deposits | 26,424,000 | 24,680,000 | 24,164,000 | 25,003,000 |
| Noninterest-bearing deposits | 3,801,000 | 3,657,000 | 3,185,000 | 3,656,000 |
| Equity capital | 2,945,000 | 2,960,000 | 2,915,000 | 2,722,000 |
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 | 568,000 | 1,059,000 | 1,572,000 | 2,024,000 |
| Interest expense | 213,000 | 399,000 | 563,000 | 721,000 |
| Net interest income | 355,000 | 660,000 | 1,009,000 | 1,303,000 |
| Noninterest income | 38,000 | 90,000 | 135,000 | 186,000 |
| Noninterest expense | 280,000 | 554,000 | 835,000 | 1,129,000 |
| Provision for loan losses | 9,000 | 18,000 | 227,000 | 586,000 |
| Pretax income | 104,000 | 178,000 | 82,000 | -226,000 |
| Income tax | 35,000 | 56,000 | 14,000 | -108,000 |
| Net income | 69,000 | 122,000 | 68,000 | -118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,917,000 | 2,955,000 | 2,901,000 | 2,716,000 |
| Total capital | 3,130,000 | 3,170,000 | 3,178,000 | 2,912,000 |
| Risk-weighted assets | 22,868,000 | 23,138,000 | 22,048,000 | 22,016,000 |
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