Call reports 2010
VALLEY BANK OF GLASGOW — 2010
What VALLEY BANK OF GLASGOW 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 | 31,178,000 | 30,857,000 | 30,416,000 | 32,655,000 |
| Total loans | 19,733,000 | 20,445,000 | 20,005,000 | 19,306,000 |
| Allowance for loan losses | 177,000 | 186,000 | 194,000 | 248,000 |
| Securities available for sale | 4,429,000 | 4,229,000 | 4,153,000 | 5,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,456,000 | 27,986,000 | 27,425,000 | 29,804,000 |
| Interest-bearing deposits | 24,471,000 | 24,255,000 | 24,028,000 | 25,570,000 |
| Noninterest-bearing deposits | 3,986,000 | 3,731,000 | 3,397,000 | 4,234,000 |
| Equity capital | 2,556,000 | 2,590,000 | 2,647,000 | 2,630,000 |
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 | 406,000 | 844,000 | 1,279,000 | 1,695,000 |
| Interest expense | 118,000 | 234,000 | 345,000 | 450,000 |
| Net interest income | 288,000 | 610,000 | 934,000 | 1,245,000 |
| Noninterest income | 57,000 | 145,000 | 196,000 | 259,000 |
| Noninterest expense | 300,000 | 642,000 | 959,000 | 1,280,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 36,000 | 95,000 | 144,000 | 188,000 |
| Income tax | 4,000 | 25,000 | 39,000 | 49,000 |
| Net income | 32,000 | 70,000 | 105,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,522,000 | 2,560,000 | 2,595,000 | 2,629,000 |
| Total capital | 2,699,000 | 2,746,000 | 2,789,000 | 2,877,000 |
| Risk-weighted assets | 20,496,000 | 20,837,000 | 20,792,000 | 20,733,000 |
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