Call reports 2010
VALLEY BANK & TRUST — 2010
What VALLEY BANK & TRUST 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 | 227,924,000 | 228,025,000 | 236,459,000 | 232,977,000 |
| Total loans | 152,736,000 | 148,348,000 | 148,572,000 | 141,175,000 |
| Allowance for loan losses | 2,182,000 | 2,072,000 | 2,234,000 | 2,215,000 |
| Securities available for sale | 30,697,000 | 30,914,000 | 33,452,000 | 31,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,412,000 | 206,112,000 | 213,650,000 | 209,844,000 |
| Interest-bearing deposits | 149,613,000 | 152,151,000 | 155,751,000 | 153,373,000 |
| Noninterest-bearing deposits | 54,799,000 | 53,961,000 | 57,899,000 | 56,471,000 |
| Equity capital | 22,194,000 | 20,796,000 | 21,599,000 | 21,761,000 |
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 | 3,139,000 | 6,231,000 | 9,252,000 | 12,478,000 |
| Interest expense | 468,000 | 883,000 | 1,271,000 | 1,611,000 |
| Net interest income | 2,671,000 | 5,348,000 | 7,981,000 | 10,867,000 |
| Noninterest income | 584,000 | 1,310,000 | 2,247,000 | 2,851,000 |
| Noninterest expense | 2,813,000 | 5,895,000 | 8,779,000 | 11,441,000 |
| Provision for loan losses | 103,000 | 211,000 | 642,000 | 817,000 |
| Pretax income | 366,000 | 627,000 | 953,000 | 1,651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | 627,000 | 953,000 | 1,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,228,000 | 20,362,000 | 20,712,000 | 22,066,000 |
| Total capital | 22,410,000 | 22,434,000 | 22,946,000 | 24,247,000 |
| Risk-weighted assets | 183,161,000 | 179,518,000 | 180,188,000 | 174,429,000 |
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