Call reports 2010
VALOR BANK — 2010
What VALOR BANK 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 | 30,427,000 | 30,533,000 | 30,850,000 | 31,325,000 |
| Total loans | 17,020,000 | 16,091,000 | 16,615,000 | 16,933,000 |
| Allowance for loan losses | 259,000 | 285,000 | 252,000 | 276,000 |
| Securities available for sale | 9,604,000 | 10,822,000 | 11,835,000 | 12,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,482,000 | 27,454,000 | 27,634,000 | 28,528,000 |
| Interest-bearing deposits | 23,000,000 | 23,161,000 | 23,710,000 | 24,157,000 |
| Noninterest-bearing deposits | 4,482,000 | 4,293,000 | 3,924,000 | 4,371,000 |
| Equity capital | 2,580,000 | 2,721,000 | 2,852,000 | 2,460,000 |
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 | 404,000 | 801,000 | 1,187,000 | 1,580,000 |
| Interest expense | 107,000 | 213,000 | 315,000 | 415,000 |
| Net interest income | 297,000 | 588,000 | 872,000 | 1,165,000 |
| Noninterest income | 48,000 | 91,000 | 126,000 | 164,000 |
| Noninterest expense | 220,000 | 436,000 | 664,000 | 918,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 125,000 | 243,000 | 334,000 | 386,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 125,000 | 243,000 | 334,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,229,000 | 2,327,000 | 2,418,000 | 2,254,000 |
| Total capital | 2,451,000 | 2,543,000 | 2,638,000 | 2,474,000 |
| Risk-weighted assets | 17,760,000 | 17,212,000 | 17,568,000 | 17,578,000 |