Call reports 2009
VALLANT BANK — 2009
What VALLANT 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 | 602,537,000 | 599,192,000 | 610,392,000 | 596,230,000 |
| Total loans | 428,801,000 | 434,885,000 | 432,298,000 | 421,374,000 |
| Allowance for loan losses | 4,932,000 | 5,729,000 | 6,391,000 | 7,750,000 |
| Securities available for sale | 104,138,000 | 93,680,000 | 97,340,000 | 92,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,864,000 | 498,167,000 | 508,007,000 | 508,686,000 |
| Interest-bearing deposits | 414,003,000 | 419,276,000 | 433,546,000 | 434,117,000 |
| Noninterest-bearing deposits | 75,861,000 | 78,891,000 | 74,461,000 | 74,569,000 |
| Equity capital | 65,716,000 | 64,246,000 | 66,801,000 | 64,516,000 |
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 | 8,235,000 | 16,619,000 | 24,678,000 | 32,387,000 |
| Interest expense | 2,525,000 | 4,898,000 | 7,053,000 | 8,942,000 |
| Net interest income | 5,710,000 | 11,721,000 | 17,625,000 | 23,445,000 |
| Noninterest income | 1,781,000 | 3,664,000 | 5,550,000 | 7,426,000 |
| Noninterest expense | 4,908,000 | 10,308,000 | 15,046,000 | 21,417,000 |
| Provision for loan losses | 1,896,000 | 4,522,000 | 7,064,000 | 10,831,000 |
| Pretax income | 723,000 | 1,083,000 | 1,752,000 | -73,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 723,000 | 1,083,000 | 1,752,000 | -73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,119,000 | 55,676,000 | 56,046,000 | 54,195,000 |
| Total capital | 61,051,000 | 61,405,000 | 62,265,000 | 60,280,000 |
| Risk-weighted assets | 490,840,000 | 497,523,000 | 497,378,000 | 485,165,000 |