Call reports 2009
TWIN VALLEY BANK, THE — 2009
What TWIN VALLEY BANK, THE 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 | 40,296,000 | 40,240,000 | 43,227,000 | 43,111,000 |
| Total loans | 27,947,000 | 28,786,000 | 29,488,000 | 29,384,000 |
| Allowance for loan losses | 350,000 | 246,000 | 210,000 | 253,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,401,000 | 5,571,000 | 5,529,000 | 7,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,222,000 | 32,097,000 | 34,729,000 | 34,874,000 |
| Interest-bearing deposits | 27,763,000 | 27,845,000 | 30,788,000 | 30,910,000 |
| Noninterest-bearing deposits | 3,459,000 | 4,252,000 | 3,941,000 | 3,964,000 |
| Equity capital | 5,425,000 | 5,436,000 | 5,537,000 | 5,547,000 |
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 | 527,000 | 1,075,000 | 1,636,000 | 2,198,000 |
| Interest expense | 152,000 | 297,000 | 441,000 | 581,000 |
| Net interest income | 375,000 | 778,000 | 1,195,000 | 1,617,000 |
| Noninterest income | 68,000 | 135,000 | 198,000 | 265,000 |
| Noninterest expense | 372,000 | 751,000 | 1,090,000 | 1,450,000 |
| Provision for loan losses | 6,000 | 12,000 | 12,000 | 50,000 |
| Pretax income | 65,000 | 150,000 | 291,000 | 382,000 |
| Income tax | 15,000 | 38,000 | 78,000 | 91,000 |
| Net income | 50,000 | 112,000 | 213,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,447,000 | 5,458,000 | 5,559,000 | 5,567,000 |
| Total capital | 5,797,000 | 5,704,000 | 5,769,000 | 5,820,000 |
| Risk-weighted assets | 29,613,000 | 29,817,000 | 31,139,000 | 31,558,000 |
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