Call reports 2009
MIDDLETOWN VALLEY BANK — 2009
What MIDDLETOWN VALLEY 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 | 132,370,000 | 134,811,000 | 136,391,000 | 140,667,000 |
| Total loans | 73,332,000 | 73,390,000 | 73,169,000 | 72,915,000 |
| Allowance for loan losses | 2,036,000 | 2,285,000 | 2,372,000 | 2,345,000 |
| Securities available for sale | 27,578,000 | 35,807,000 | 37,710,000 | 39,162,000 |
| Securities held to maturity | 6,016,000 | 5,006,000 | 4,002,000 | 4,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,849,000 | 119,022,000 | 120,170,000 | 124,347,000 |
| Interest-bearing deposits | 82,373,000 | 84,418,000 | 85,342,000 | 87,797,000 |
| Noninterest-bearing deposits | 34,476,000 | 34,604,000 | 34,828,000 | 36,550,000 |
| Equity capital | 15,327,000 | 15,545,000 | 15,959,000 | 16,184,000 |
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 | 1,538,000 | 3,133,000 | 4,735,000 | 6,322,000 |
| Interest expense | 219,000 | 434,000 | 639,000 | 796,000 |
| Net interest income | 1,319,000 | 2,699,000 | 4,096,000 | 5,526,000 |
| Noninterest income | 232,000 | 408,000 | 649,000 | 870,000 |
| Noninterest expense | 811,000 | 1,667,000 | 2,559,000 | 3,510,000 |
| Provision for loan losses | 40,000 | 304,000 | 392,000 | 430,000 |
| Pretax income | 700,000 | 1,136,000 | 1,794,000 | 2,456,000 |
| Income tax | 65,000 | 261,000 | 515,000 | 744,000 |
| Net income | 635,000 | 875,000 | 1,279,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,086,000 | 15,230,000 | 15,538,000 | 15,875,000 |
| Total capital | 15,878,000 | 16,035,000 | 16,341,000 | 16,693,000 |
| Risk-weighted assets | 62,045,000 | 62,821,000 | 62,563,000 | 63,829,000 |