Call reports 2010
VALLEY BANK OF COMMERCE — 2010
What VALLEY BANK OF COMMERCE 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 | 111,627,000 | 108,730,000 | 108,674,000 | 123,297,000 |
| Total loans | 57,714,000 | 59,579,000 | 59,336,000 | 61,102,000 |
| Allowance for loan losses | 680,000 | 710,000 | 610,000 | 610,000 |
| Securities available for sale | 10,070,000 | 14,987,000 | 14,589,000 | 14,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,712,000 | 91,421,000 | 90,975,000 | 106,760,000 |
| Interest-bearing deposits | 64,052,000 | 61,636,000 | 59,614,000 | 67,082,000 |
| Noninterest-bearing deposits | 33,660,000 | 29,785,000 | 31,361,000 | 39,678,000 |
| Equity capital | 9,021,000 | 9,408,000 | 9,822,000 | 8,592,000 |
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 | 1,067,000 | 2,131,000 | 3,260,000 | 4,384,000 |
| Interest expense | 124,000 | 243,000 | 353,000 | 459,000 |
| Net interest income | 943,000 | 1,888,000 | 2,907,000 | 3,925,000 |
| Noninterest income | 152,000 | 320,000 | 463,000 | 597,000 |
| Noninterest expense | 578,000 | 1,172,000 | 1,794,000 | 2,389,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 487,000 | 976,000 | 1,506,000 | 2,090,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 487,000 | 976,000 | 1,506,000 | 2,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,917,000 | 9,257,000 | 9,642,000 | 8,759,000 |
| Total capital | 9,597,000 | 9,967,000 | 10,252,000 | 9,369,000 |
| Risk-weighted assets | 68,665,000 | 67,493,000 | 67,356,000 | 69,731,000 |
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