Call reports 2008
VALLEY BANK OF COMMERCE — 2008
What VALLEY BANK OF COMMERCE 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 | 110,268,000 | 112,953,000 | 120,948,000 | 124,314,000 |
| Total loans | 46,950,000 | 47,123,000 | 51,660,000 | 54,595,000 |
| Allowance for loan losses | 579,000 | 579,000 | 579,000 | 579,000 |
| Securities available for sale | 15,963,000 | 14,920,000 | 17,283,000 | 36,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,393,000 | 94,123,000 | 93,863,000 | 105,666,000 |
| Interest-bearing deposits | 59,386,000 | 59,198,000 | 58,994,000 | 60,316,000 |
| Noninterest-bearing deposits | 32,007,000 | 34,925,000 | 34,869,000 | 45,350,000 |
| Equity capital | 8,653,000 | 8,852,000 | 9,275,000 | 8,542,000 |
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 | 1,436,000 | 2,599,000 | 3,837,000 | 5,130,000 |
| Interest expense | 335,000 | 586,000 | 830,000 | 988,000 |
| Net interest income | 1,101,000 | 2,013,000 | 3,007,000 | 4,142,000 |
| Noninterest income | 99,000 | 274,000 | 387,000 | 506,000 |
| Noninterest expense | 578,000 | 1,127,000 | 1,679,000 | 2,236,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 622,000 | 1,160,000 | 1,715,000 | 2,412,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 622,000 | 1,160,000 | 1,715,000 | 2,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,534,000 | 8,925,000 | 9,325,000 | 8,261,000 |
| Total capital | 9,113,000 | 9,504,000 | 9,904,000 | 8,840,000 |
| Risk-weighted assets | 67,627,000 | 69,142,000 | 75,068,000 | 71,221,000 |
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