Call reports 2011
WEST VALLEY NATIONAL BANK — 2011
What WEST VALLEY NATIONAL 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 | 37,214,000 | 39,908,000 | 42,186,000 | 40,640,000 |
| Total loans | 25,186,000 | 30,054,000 | 29,433,000 | 29,117,000 |
| Allowance for loan losses | 622,000 | 692,000 | 717,000 | 713,000 |
| Securities available for sale | 2,522,000 | 2,406,000 | 1,937,000 | 1,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,367,000 | 25,542,000 | 28,935,000 | 27,952,000 |
| Interest-bearing deposits | 14,572,000 | 16,512,000 | 16,402,000 | 18,808,000 |
| Noninterest-bearing deposits | 8,795,000 | 9,030,000 | 12,533,000 | 9,144,000 |
| Equity capital | 11,668,000 | 11,245,000 | 11,069,000 | 10,425,000 |
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 | 410,000 | 900,000 | 1,397,000 | 1,887,000 |
| Interest expense | 47,000 | 94,000 | 143,000 | 196,000 |
| Net interest income | 363,000 | 806,000 | 1,254,000 | 1,691,000 |
| Noninterest income | 29,000 | -110,000 | -2,000 | -353,000 |
| Noninterest expense | 899,000 | 1,529,000 | 2,167,000 | 2,890,000 |
| Provision for loan losses | 15,000 | 158,000 | 258,000 | 258,000 |
| Pretax income | -522,000 | -991,000 | -1,179,000 | -1,816,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -522,000 | -991,000 | -1,179,000 | -1,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,629,000 | 11,176,000 | 10,990,000 | 10,353,000 |
| Total capital | 11,986,000 | 11,595,000 | 11,416,000 | 10,763,000 |
| Risk-weighted assets | 28,228,000 | 33,222,000 | 33,744,000 | 32,469,000 |