Call reports 2008
VALLEY BANK OF RONAN — 2008
What VALLEY BANK OF RONAN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 61,958,000 | 60,860,000 | 60,666,000 | 59,923,000 |
| Total loans | 45,149,000 | 45,947,000 | 48,347,000 | 46,626,000 |
| Allowance for loan losses | 788,000 | 788,000 | 766,000 | 789,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,557,000 | 2,357,000 | 2,605,000 | 1,604,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,577,000 | 53,551,000 | 53,189,000 | 52,414,000 |
| Interest-bearing deposits | 35,924,000 | 38,774,000 | 33,785,000 | 35,640,000 |
| Noninterest-bearing deposits | 18,653,000 | 14,777,000 | 19,404,000 | 16,774,000 |
| Equity capital | 6,430,000 | 6,519,000 | 6,739,000 | 6,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,127,000 | 2,146,000 | 3,207,000 | 4,205,000 |
| Interest expense | 328,000 | 623,000 | 893,000 | 1,155,000 |
| Net interest income | 799,000 | 1,523,000 | 2,314,000 | 3,050,000 |
| Noninterest income | 167,000 | 346,000 | 567,000 | 768,000 |
| Noninterest expense | 699,000 | 1,343,000 | 1,984,000 | 2,630,000 |
| Provision for loan losses | 15,000 | 36,000 | 54,000 | 97,000 |
| Pretax income | 252,000 | 490,000 | 843,000 | 1,091,000 |
| Income tax | 109,000 | 258,000 | 391,000 | 389,000 |
| Net income | 143,000 | 232,000 | 452,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,430,000 | 6,519,000 | 6,739,000 | 6,829,000 |
| Total capital | 7,085,000 | 7,179,000 | 7,422,000 | 7,492,000 |
| Risk-weighted assets | 52,258,000 | 52,664,000 | 54,581,000 | 52,879,000 |
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