Call reports 2008
TWIN VALLEY BANK, THE — 2008
What TWIN VALLEY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 38,538,000 | 38,318,000 | 38,533,000 | 40,087,000 |
| Total loans | 24,662,000 | 26,202,000 | 26,715,000 | 28,149,000 |
| Allowance for loan losses | 380,000 | 378,000 | 374,000 | 363,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,453,000 | 5,593,000 | 5,586,000 | 5,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,751,000 | 29,334,000 | 29,651,000 | 31,021,000 |
| Interest-bearing deposits | 26,194,000 | 25,456,000 | 25,703,000 | 27,101,000 |
| Noninterest-bearing deposits | 3,558,000 | 3,878,000 | 3,948,000 | 3,920,000 |
| Equity capital | 5,280,000 | 5,299,000 | 5,390,000 | 5,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 539,000 | 1,082,000 | 1,628,000 | 2,179,000 |
| Interest expense | 174,000 | 355,000 | 509,000 | 678,000 |
| Net interest income | 365,000 | 727,000 | 1,119,000 | 1,501,000 |
| Noninterest income | 64,000 | 127,000 | 194,000 | 260,000 |
| Noninterest expense | 348,000 | 678,000 | 1,007,000 | 1,358,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 176,000 | 306,000 | 403,000 |
| Income tax | 19,000 | 43,000 | 82,000 | 109,000 |
| Net income | 62,000 | 133,000 | 224,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,286,000 | 5,299,000 | 5,397,000 | 5,398,000 |
| Total capital | 5,619,000 | 5,643,000 | 5,747,000 | 5,761,000 |
| Risk-weighted assets | 26,611,000 | 27,478,000 | 27,968,000 | 29,616,000 |
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