Call reports 2009
VALLEY BANK OF GLASGOW — 2009
What VALLEY BANK OF GLASGOW 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 | 32,101,000 | 30,446,000 | 32,388,000 | 33,170,000 |
| Total loans | 19,933,000 | 19,558,000 | 19,735,000 | 18,910,000 |
| Allowance for loan losses | 208,000 | 171,000 | 261,000 | 268,000 |
| Securities available for sale | 6,418,000 | 6,654,000 | 5,994,000 | 5,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,041,000 | 27,773,000 | 29,694,000 | 30,467,000 |
| Interest-bearing deposits | 25,360,000 | 24,517,000 | 25,136,000 | 25,470,000 |
| Noninterest-bearing deposits | 3,681,000 | 3,256,000 | 4,558,000 | 4,997,000 |
| Equity capital | 2,770,000 | 2,333,000 | 2,318,000 | 2,535,000 |
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 | 448,000 | 874,000 | 1,311,000 | 1,720,000 |
| Interest expense | 139,000 | 262,000 | 383,000 | 506,000 |
| Net interest income | 309,000 | 612,000 | 928,000 | 1,214,000 |
| Noninterest income | 52,000 | 104,000 | 173,000 | 241,000 |
| Noninterest expense | 301,000 | 618,000 | 958,000 | 1,235,000 |
| Provision for loan losses | 9,000 | 493,000 | 602,000 | 633,000 |
| Pretax income | 51,000 | -395,000 | -459,000 | -413,000 |
| Income tax | 15,000 | 0 | 1,000 | -187,000 |
| Net income | 36,000 | -395,000 | -460,000 | -226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,751,000 | 2,321,000 | 2,256,000 | 2,490,000 |
| Total capital | 2,959,000 | 2,492,000 | 2,517,000 | 2,758,000 |
| Risk-weighted assets | 20,194,000 | 19,570,000 | 21,996,000 | 21,675,000 |
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