Call reports 2010
WEST VALLEY NATIONAL BANK — 2010
What WEST VALLEY NATIONAL 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 | 37,529,000 | 37,972,000 | 35,278,000 | 35,310,000 |
| Total loans | 24,916,000 | 26,935,000 | 26,371,000 | 25,512,000 |
| Allowance for loan losses | 978,000 | 1,014,000 | 560,000 | 667,000 |
| Securities available for sale | 3,859,000 | 4,169,000 | 4,012,000 | 2,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,401,000 | 24,139,000 | 22,315,000 | 20,884,000 |
| Interest-bearing deposits | 16,666,000 | 17,471,000 | 15,305,000 | 14,117,000 |
| Noninterest-bearing deposits | 6,735,000 | 6,668,000 | 7,010,000 | 6,767,000 |
| Equity capital | 13,941,000 | 13,632,000 | 12,705,000 | 12,211,000 |
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 | 433,000 | 871,000 | 1,295,000 | 1,733,000 |
| Interest expense | 51,000 | 101,000 | 153,000 | 198,000 |
| Net interest income | 382,000 | 770,000 | 1,142,000 | 1,535,000 |
| Noninterest income | 21,000 | 35,000 | 53,000 | 172,000 |
| Noninterest expense | 750,000 | 1,446,000 | 2,163,000 | 3,133,000 |
| Provision for loan losses | 117,000 | 152,000 | 781,000 | 786,000 |
| Pretax income | -392,000 | -721,000 | -1,678,000 | -2,124,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -392,000 | -721,000 | -1,678,000 | -2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,832,000 | 13,522,000 | 12,578,000 | 12,131,000 |
| Total capital | 14,182,000 | 13,889,000 | 12,929,000 | 12,479,000 |
| Risk-weighted assets | 27,309,000 | 28,654,000 | 27,861,000 | 27,506,000 |