Call reports 2009
VALLEY BANK OF COMMERCE — 2009
What VALLEY BANK OF COMMERCE 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 | 113,180,000 | 107,574,000 | 107,276,000 | 115,596,000 |
| Total loans | 53,487,000 | 57,460,000 | 55,088,000 | 59,068,000 |
| Allowance for loan losses | 609,000 | 639,000 | 669,000 | 699,000 |
| Securities available for sale | 19,612,000 | 19,097,000 | 15,526,000 | 10,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,012,000 | 90,513,000 | 90,003,000 | 101,888,000 |
| Interest-bearing deposits | 56,943,000 | 59,773,000 | 60,594,000 | 63,321,000 |
| Noninterest-bearing deposits | 41,069,000 | 30,740,000 | 29,409,000 | 38,567,000 |
| Equity capital | 8,962,000 | 9,282,000 | 9,702,000 | 8,739,000 |
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 | 1,243,000 | 2,298,000 | 3,425,000 | 4,582,000 |
| Interest expense | 127,000 | 248,000 | 375,000 | 504,000 |
| Net interest income | 1,116,000 | 2,050,000 | 3,050,000 | 4,078,000 |
| Noninterest income | 143,000 | 273,000 | 315,000 | 618,000 |
| Noninterest expense | 618,000 | 1,189,000 | 1,733,000 | 2,354,000 |
| Provision for loan losses | 0 | 60,000 | 90,000 | 120,000 |
| Pretax income | 641,000 | 1,074,000 | 1,542,000 | 2,222,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 641,000 | 1,074,000 | 1,542,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,755,000 | 9,040,000 | 9,478,000 | 8,575,000 |
| Total capital | 9,364,000 | 9,679,000 | 10,147,000 | 9,274,000 |
| Risk-weighted assets | 66,412,000 | 69,398,000 | 68,363,000 | 68,084,000 |
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