Call reports 2010
VALLEY BANK — 2010
What VALLEY BANK 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 | 130,972,000 | 127,535,000 | 128,964,000 | 128,541,000 |
| Total loans | 79,795,000 | 79,540,000 | 80,218,000 | 73,512,000 |
| Allowance for loan losses | 1,449,000 | 1,399,000 | 1,696,000 | 1,138,000 |
| Securities available for sale | 23,945,000 | 25,367,000 | 24,701,000 | 33,882,000 |
| Securities held to maturity | 10,700,000 | 6,862,000 | 5,633,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,549,000 | 98,368,000 | 102,013,000 | 104,841,000 |
| Interest-bearing deposits | 95,220,000 | 91,746,000 | 94,316,000 | 95,768,000 |
| Noninterest-bearing deposits | 8,329,000 | 6,622,000 | 7,697,000 | 9,073,000 |
| Equity capital | 13,561,000 | 13,310,000 | 13,067,000 | 9,918,000 |
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 | 1,346,000 | 2,693,000 | 4,068,000 | 5,379,000 |
| Interest expense | 612,000 | 1,153,000 | 1,647,000 | 2,102,000 |
| Net interest income | 734,000 | 1,540,000 | 2,421,000 | 3,277,000 |
| Noninterest income | -7,000 | 8,000 | 74,000 | 127,000 |
| Noninterest expense | 847,000 | 1,696,000 | 2,626,000 | 6,058,000 |
| Provision for loan losses | 0 | 0 | 437,000 | 1,237,000 |
| Pretax income | -29,000 | 136,000 | -514,000 | -5,447,000 |
| Income tax | -30,000 | 25,000 | -223,000 | -1,703,000 |
| Net income | 1,000 | 111,000 | -291,000 | -3,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,907,000 | 11,032,000 | 10,644,000 | 9,876,000 |
| Total capital | 12,144,000 | 12,269,000 | 11,886,000 | 11,006,000 |
| Risk-weighted assets | 98,747,000 | 98,779,000 | 98,888,000 | 90,352,000 |
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