Call reports 2008
MIDDLETOWN VALLEY BANK — 2008
What MIDDLETOWN VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 146,067,000 | 148,291,000 | 126,204,000 | 126,408,000 |
| Total loans | 76,502,000 | 73,030,000 | 74,250,000 | 74,242,000 |
| Allowance for loan losses | 2,286,000 | 1,934,000 | 1,965,000 | 2,057,000 |
| Securities available for sale | 17,793,000 | 17,065,000 | 19,002,000 | 23,579,000 |
| Securities held to maturity | 20,087,000 | 15,077,000 | 12,052,000 | 8,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,741,000 | 133,821,000 | 111,859,000 | 111,610,000 |
| Interest-bearing deposits | 73,290,000 | 81,044,000 | 78,097,000 | 78,170,000 |
| Noninterest-bearing deposits | 35,451,000 | 52,777,000 | 33,762,000 | 33,440,000 |
| Equity capital | 36,910,000 | 13,816,000 | 14,254,000 | 14,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,872,000 | 3,653,000 | 5,294,000 | 6,913,000 |
| Interest expense | 278,000 | 533,000 | 765,000 | 993,000 |
| Net interest income | 1,594,000 | 3,120,000 | 4,529,000 | 5,920,000 |
| Noninterest income | 234,000 | 467,000 | 705,000 | 945,000 |
| Noninterest expense | 817,000 | 1,757,000 | 2,581,000 | 3,496,000 |
| Provision for loan losses | -41,000 | -385,000 | -354,000 | -261,000 |
| Pretax income | 1,071,000 | 2,246,000 | 3,038,000 | 3,661,000 |
| Income tax | 371,000 | 612,000 | 900,000 | 1,112,000 |
| Net income | 700,000 | 1,634,000 | 2,138,000 | 2,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,890,000 | 13,824,000 | 14,232,000 | 14,547,000 |
| Total capital | 37,724,000 | 14,639,000 | 15,008,000 | 15,333,000 |
| Risk-weighted assets | 65,291,000 | 64,103,000 | 60,929,000 | 61,619,000 |
Machine access — free, no API key
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