Call reports 2009
VALLEY BANK — 2009
What VALLEY BANK 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 | 160,086,000 | 149,277,000 | 138,088,000 | 136,000,000 |
| Total loans | 106,690,000 | 103,650,000 | 93,152,000 | 79,896,000 |
| Allowance for loan losses | 1,322,000 | 1,270,000 | 1,183,000 | 1,452,000 |
| Securities available for sale | 7,280,000 | 8,836,000 | 8,315,000 | 21,745,000 |
| Securities held to maturity | 26,082,000 | 20,879,000 | 16,481,000 | 14,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,733,000 | 120,680,000 | 109,614,000 | 108,496,000 |
| Interest-bearing deposits | 123,005,000 | 112,718,000 | 101,754,000 | 101,473,000 |
| Noninterest-bearing deposits | 7,728,000 | 7,962,000 | 7,860,000 | 7,023,000 |
| Equity capital | 15,353,000 | 14,583,000 | 14,424,000 | 13,542,000 |
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 | 2,120,000 | 4,112,000 | 5,901,000 | 7,519,000 |
| Interest expense | 1,252,000 | 2,376,000 | 3,270,000 | 4,000,000 |
| Net interest income | 868,000 | 1,736,000 | 2,631,000 | 3,519,000 |
| Noninterest income | -189,000 | -174,000 | -212,000 | -235,000 |
| Noninterest expense | 948,000 | 1,893,000 | 3,094,000 | 4,119,000 |
| Provision for loan losses | 360,000 | 360,000 | 360,000 | 1,737,000 |
| Pretax income | -75,000 | -1,346,000 | -1,618,000 | -3,328,000 |
| Income tax | -52,000 | -649,000 | -700,000 | -1,391,000 |
| Net income | -23,000 | -697,000 | -918,000 | -1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,554,000 | 11,894,000 | 11,689,000 | 10,892,000 |
| Total capital | 13,876,000 | 13,164,000 | 12,872,000 | 12,154,000 |
| Risk-weighted assets | 142,377,000 | 117,373,000 | 117,984,000 | 100,757,000 |
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