Call reports 2010
VALLEY BANK OF RONAN — 2010
What VALLEY BANK OF RONAN 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 | 62,374,000 | 62,873,000 | 63,319,000 | 65,565,000 |
| Total loans | 44,738,000 | 46,552,000 | 45,722,000 | 44,040,000 |
| Allowance for loan losses | 785,000 | 799,000 | 806,000 | 806,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,861,000 | 3,361,000 | 3,111,000 | 3,106,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,832,000 | 55,224,000 | 55,727,000 | 58,005,000 |
| Interest-bearing deposits | 41,197,000 | 43,487,000 | 42,644,000 | 44,810,000 |
| Noninterest-bearing deposits | 13,635,000 | 11,737,000 | 13,083,000 | 13,195,000 |
| Equity capital | 7,147,000 | 7,247,000 | 7,204,000 | 7,249,000 |
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 | 806,000 | 1,647,000 | 2,509,000 | 3,398,000 |
| Interest expense | 170,000 | 341,000 | 513,000 | 677,000 |
| Net interest income | 636,000 | 1,306,000 | 1,996,000 | 2,721,000 |
| Noninterest income | 155,000 | 336,000 | 512,000 | 680,000 |
| Noninterest expense | 626,000 | 1,255,000 | 1,895,000 | 2,499,000 |
| Provision for loan losses | 120,000 | 153,000 | 363,000 | 574,000 |
| Pretax income | 45,000 | 234,000 | 250,000 | 328,000 |
| Income tax | -3,000 | 86,000 | 145,000 | 77,000 |
| Net income | 48,000 | 148,000 | 105,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,096,000 | 7,199,000 | 7,158,000 | 7,205,000 |
| Total capital | 7,746,000 | 7,869,000 | 7,819,000 | 7,853,000 |
| Risk-weighted assets | 51,887,000 | 53,468,000 | 52,721,000 | 51,644,000 |
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