Call reports 2011
VALLEY BANK OF RONAN — 2011
What VALLEY BANK OF RONAN reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 64,794,000 | 63,683,000 | 64,570,000 | 65,817,000 |
| Total loans | 42,842,000 | 43,014,000 | 43,055,000 | 41,543,000 |
| Allowance for loan losses | 764,000 | 735,000 | 783,000 | 765,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,106,000 | 4,588,000 | 3,093,000 | 2,594,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,154,000 | 55,940,000 | 56,630,000 | 57,957,000 |
| Interest-bearing deposits | 44,455,000 | 43,369,000 | 42,726,000 | 42,726,000 |
| Noninterest-bearing deposits | 12,699,000 | 12,571,000 | 13,904,000 | 15,231,000 |
| Equity capital | 7,311,000 | 7,386,000 | 7,644,000 | 7,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 740,000 | 1,530,000 | 2,283,000 | 3,024,000 |
| Interest expense | 146,000 | 270,000 | 381,000 | 481,000 |
| Net interest income | 594,000 | 1,260,000 | 1,902,000 | 2,543,000 |
| Noninterest income | 159,000 | 332,000 | 834,000 | 989,000 |
| Noninterest expense | 608,000 | 1,202,000 | 1,818,000 | 2,453,000 |
| Provision for loan losses | 41,000 | 156,000 | 286,000 | 339,000 |
| Pretax income | 104,000 | 234,000 | 632,000 | 740,000 |
| Income tax | 43,000 | 97,000 | 237,000 | 243,000 |
| Net income | 61,000 | 137,000 | 395,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,270,000 | 7,386,000 | 7,608,000 | 7,553,000 |
| Total capital | 7,910,000 | 8,024,000 | 8,248,000 | 8,180,000 |
| Risk-weighted assets | 51,049,000 | 50,967,000 | 51,078,000 | 50,041,000 |