Call reports 2011
VALLEY BANK — 2011
What VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 123,357,000 | 122,658,000 | 122,297,000 | 115,945,000 |
| Total loans | 75,319,000 | 80,569,000 | 79,877,000 | 79,312,000 |
| Allowance for loan losses | 1,166,000 | 1,309,000 | 1,427,000 | 225,000 |
| Securities available for sale | 33,209,000 | 29,832,000 | 29,610,000 | 24,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,675,000 | 98,287,000 | 98,061,000 | 95,966,000 |
| Interest-bearing deposits | 90,434,000 | 91,165,000 | 91,326,000 | 88,888,000 |
| Noninterest-bearing deposits | 9,241,000 | 7,122,000 | 6,735,000 | 7,078,000 |
| Equity capital | 9,811,000 | 10,242,000 | 10,228,000 | 6,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,221,000 | 2,566,000 | 3,849,000 | 5,148,000 |
| Interest expense | 405,000 | 789,000 | 1,175,000 | 1,533,000 |
| Net interest income | 816,000 | 1,777,000 | 2,674,000 | 3,615,000 |
| Noninterest income | -172,000 | -142,000 | -179,000 | -178,000 |
| Noninterest expense | 895,000 | 1,750,000 | 2,595,000 | 3,384,000 |
| Provision for loan losses | 500,000 | 650,000 | 832,000 | 4,208,000 |
| Pretax income | -700,000 | -638,000 | -728,000 | -4,340,000 |
| Income tax | -630,000 | -688,000 | -725,000 | 978,000 |
| Net income | -70,000 | 50,000 | -3,000 | -5,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,820,000 | 9,956,000 | 9,916,000 | 5,633,000 |
| Total capital | 10,913,000 | 11,088,000 | 11,050,000 | 5,858,000 |
| Risk-weighted assets | 87,327,000 | 90,416,000 | 90,462,000 | 80,540,000 |