Call reports 2009
WEST VALLEY NATIONAL BANK — 2009
What WEST VALLEY NATIONAL 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 | 41,212,000 | 37,337,000 | 38,331,000 | 37,972,000 |
| Total loans | 24,804,000 | 26,654,000 | 22,568,000 | 24,618,000 |
| Allowance for loan losses | 1,040,000 | 891,000 | 861,000 | 861,000 |
| Securities available for sale | 2,910,000 | 2,445,000 | 2,144,000 | 1,898,000 |
| Securities held to maturity | 3,678,000 | 3,586,000 | 3,900,000 | 4,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,303,000 | 20,803,000 | 23,197,000 | 23,443,000 |
| Interest-bearing deposits | 15,812,000 | 15,107,000 | 15,646,000 | 16,584,000 |
| Noninterest-bearing deposits | 9,491,000 | 5,696,000 | 7,551,000 | 6,859,000 |
| Equity capital | 15,675,000 | 15,262,000 | 14,822,000 | 14,258,000 |
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 | 471,000 | 931,000 | 1,397,000 | 1,812,000 |
| Interest expense | 57,000 | 116,000 | 182,000 | 242,000 |
| Net interest income | 414,000 | 815,000 | 1,215,000 | 1,570,000 |
| Noninterest income | 67,000 | 128,000 | 168,000 | 199,000 |
| Noninterest expense | 875,000 | 1,785,000 | 2,709,000 | 3,544,000 |
| Provision for loan losses | 123,000 | 99,000 | 99,000 | 99,000 |
| Pretax income | -510,000 | -934,000 | -1,418,000 | -1,855,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -510,000 | -934,000 | -1,418,000 | -1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,636,000 | 15,250,000 | 14,798,000 | 14,209,000 |
| Total capital | 16,030,000 | 15,647,000 | 15,159,000 | 14,577,000 |
| Risk-weighted assets | 30,876,000 | 31,258,000 | 28,380,000 | 28,920,000 |