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 | 67,018,000 | 66,774,000 | 66,460,000 | 70,578,000 |
| Total loans | 36,211,000 | 37,804,000 | 38,200,000 | 34,801,000 |
| Allowance for loan losses | 1,053,000 | 827,000 | 857,000 | 875,000 |
| Securities available for sale | 22,868,000 | 21,975,000 | 21,592,000 | 23,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,718,000 | 58,126,000 | 57,442,000 | 61,722,000 |
| Interest-bearing deposits | 53,226,000 | 53,173,000 | 50,882,000 | 52,949,000 |
| Noninterest-bearing deposits | 5,492,000 | 4,953,000 | 6,560,000 | 8,773,000 |
| Equity capital | 6,373,000 | 6,701,000 | 6,794,000 | 6,720,000 |
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 | 819,000 | 1,633,000 | 2,479,000 | 3,301,000 |
| Interest expense | 249,000 | 481,000 | 714,000 | 925,000 |
| Net interest income | 570,000 | 1,152,000 | 1,765,000 | 2,376,000 |
| Noninterest income | 80,000 | 134,000 | 61,000 | 112,000 |
| Noninterest expense | 427,000 | 863,000 | 1,288,000 | 1,762,000 |
| Provision for loan losses | 142,000 | 263,000 | 293,000 | 303,000 |
| Pretax income | 151,000 | 204,000 | 289,000 | 467,000 |
| Income tax | 1,000 | 8,000 | 9,000 | 18,000 |
| Net income | 150,000 | 196,000 | 280,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,979,000 | 5,996,000 | 5,992,000 | 6,112,000 |
| Total capital | 6,512,000 | 6,546,000 | 6,547,000 | 6,625,000 |
| Risk-weighted assets | 42,080,000 | 43,524,000 | 43,933,000 | 40,584,000 |
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