Call reports 2009
VALLEY BANK & TRUST — 2009
What VALLEY BANK & TRUST 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 | 244,121,000 | 245,802,000 | 239,195,000 | 233,604,000 |
| Total loans | 175,550,000 | 170,207,000 | 166,241,000 | 161,349,000 |
| Allowance for loan losses | 2,385,000 | 2,332,000 | 2,294,000 | 2,156,000 |
| Securities available for sale | 32,163,000 | 28,983,000 | 33,304,000 | 32,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,240,000 | 228,002,000 | 217,454,000 | 211,600,000 |
| Interest-bearing deposits | 168,098,000 | 170,136,000 | 157,894,000 | 151,928,000 |
| Noninterest-bearing deposits | 57,142,000 | 57,866,000 | 59,560,000 | 59,672,000 |
| Equity capital | 17,512,000 | 16,598,000 | 20,479,000 | 20,693,000 |
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 | 3,504,000 | 7,603,000 | 11,133,000 | 14,471,000 |
| Interest expense | 732,000 | 1,427,000 | 2,053,000 | 2,599,000 |
| Net interest income | 2,772,000 | 6,176,000 | 9,080,000 | 11,872,000 |
| Noninterest income | 712,000 | 1,739,000 | 2,323,000 | 3,011,000 |
| Noninterest expense | 3,182,000 | 7,101,000 | 10,457,000 | 13,510,000 |
| Provision for loan losses | 408,000 | 545,000 | 545,000 | 545,000 |
| Pretax income | 93,000 | 474,000 | 609,000 | 1,037,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 474,000 | 609,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,423,000 | 18,008,000 | 18,281,000 | 18,604,000 |
| Total capital | 19,808,000 | 20,340,000 | 20,575,000 | 20,760,000 |
| Risk-weighted assets | 209,167,000 | 204,178,000 | 199,511,000 | 192,120,000 |
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