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 | 64,548,000 | 63,189,000 | 62,079,000 | 70,551,000 |
| Total loans | 35,648,000 | 38,833,000 | 37,858,000 | 36,431,000 |
| Allowance for loan losses | 454,000 | 464,000 | 539,000 | 908,000 |
| Securities available for sale | 21,822,000 | 20,444,000 | 19,922,000 | 22,171,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,740,000 | 55,044,000 | 53,757,000 | 62,309,000 |
| Interest-bearing deposits | 50,763,000 | 50,173,000 | 48,805,000 | 55,078,000 |
| Noninterest-bearing deposits | 5,977,000 | 4,871,000 | 4,952,000 | 7,231,000 |
| Equity capital | 5,864,000 | 6,187,000 | 6,454,000 | 6,325,000 |
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 | 840,000 | 1,698,000 | 2,580,000 | 3,409,000 |
| Interest expense | 332,000 | 640,000 | 924,000 | 1,186,000 |
| Net interest income | 508,000 | 1,058,000 | 1,656,000 | 2,223,000 |
| Noninterest income | 57,000 | 116,000 | 168,000 | 222,000 |
| Noninterest expense | 385,000 | 832,000 | 1,241,000 | 1,601,000 |
| Provision for loan losses | 10,000 | 20,000 | 240,000 | 600,000 |
| Pretax income | 170,000 | 322,000 | 343,000 | 244,000 |
| Income tax | 3,000 | 10,000 | 13,000 | 20,000 |
| Net income | 167,000 | 312,000 | 330,000 | 224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,075,000 | 6,151,000 | 6,025,000 | 5,919,000 |
| Total capital | 6,540,000 | 6,626,000 | 6,564,000 | 6,472,000 |
| Risk-weighted assets | 43,043,000 | 45,226,000 | 44,210,000 | 43,911,000 |
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