Call reports 2009
VALOR BANK — 2009
What VALOR BANK 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 | 26,471,000 | 29,016,000 | 29,595,000 | 29,473,000 |
| Total loans | 17,046,000 | 16,759,000 | 16,506,000 | 17,523,000 |
| Allowance for loan losses | 260,000 | 256,000 | 252,000 | 248,000 |
| Securities available for sale | 7,260,000 | 8,874,000 | 8,848,000 | 9,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,740,000 | 26,265,000 | 26,652,000 | 26,702,000 |
| Interest-bearing deposits | 19,766,000 | 22,426,000 | 22,451,000 | 22,241,000 |
| Noninterest-bearing deposits | 3,974,000 | 3,839,000 | 4,201,000 | 4,461,000 |
| Equity capital | 2,331,000 | 2,346,000 | 2,535,000 | 2,403,000 |
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 | 397,000 | 802,000 | 1,210,000 | 1,618,000 |
| Interest expense | 128,000 | 258,000 | 388,000 | 500,000 |
| Net interest income | 269,000 | 544,000 | 822,000 | 1,118,000 |
| Noninterest income | 50,000 | 90,000 | 135,000 | 171,000 |
| Noninterest expense | 210,000 | 421,000 | 652,000 | 898,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 109,000 | 230,000 | 322,000 | 421,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 230,000 | 322,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,049,000 | 2,170,000 | 2,212,000 | 2,109,000 |
| Total capital | 2,260,000 | 2,386,000 | 2,427,000 | 2,333,000 |
| Risk-weighted assets | 16,857,000 | 17,206,000 | 17,194,000 | 17,921,000 |