Call reports 2009
VALLEY BANK OF RONAN — 2009
What VALLEY BANK OF RONAN 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 | 62,479,000 | 62,215,000 | 61,215,000 | 61,529,000 |
| Total loans | 46,692,000 | 46,933,000 | 44,823,000 | 44,219,000 |
| Allowance for loan losses | 789,000 | 786,000 | 751,000 | 785,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,353,000 | 2,353,000 | 2,112,000 | 3,111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,805,000 | 54,593,000 | 53,643,000 | 53,993,000 |
| Interest-bearing deposits | 40,768,000 | 37,032,000 | 40,614,000 | 37,562,000 |
| Noninterest-bearing deposits | 14,037,000 | 17,560,000 | 13,029,000 | 16,431,000 |
| Equity capital | 6,908,000 | 7,020,000 | 7,011,000 | 7,098,000 |
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 | 894,000 | 1,817,000 | 2,713,000 | 3,563,000 |
| Interest expense | 250,000 | 487,000 | 718,000 | 922,000 |
| Net interest income | 644,000 | 1,330,000 | 1,995,000 | 2,641,000 |
| Noninterest income | 177,000 | 357,000 | 541,000 | 694,000 |
| Noninterest expense | 629,000 | 1,280,000 | 1,967,000 | 2,547,000 |
| Provision for loan losses | 18,000 | 38,000 | 111,000 | 155,000 |
| Pretax income | 174,000 | 369,000 | 458,000 | 633,000 |
| Income tax | 95,000 | 178,000 | 276,000 | 204,000 |
| Net income | 79,000 | 191,000 | 182,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,908,000 | 7,020,000 | 6,955,000 | 7,045,000 |
| Total capital | 7,576,000 | 7,690,000 | 7,598,000 | 7,685,000 |
| Risk-weighted assets | 53,338,000 | 53,513,000 | 51,359,000 | 51,033,000 |
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