Call reports 2010
VALLANT BANK — 2010
What VALLANT BANK 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 | 602,364,000 | 591,323,000 | 604,927,000 | 588,408,000 |
| Total loans | 414,880,000 | 410,572,000 | 399,492,000 | 398,436,000 |
| Allowance for loan losses | 8,413,000 | 8,575,000 | 9,755,000 | 20,281,000 |
| Securities available for sale | 107,259,000 | 106,172,000 | 106,151,000 | 127,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 515,864,000 | 505,448,000 | 526,820,000 | 528,608,000 |
| Interest-bearing deposits | 436,553,000 | 427,949,000 | 447,787,000 | 448,206,000 |
| Noninterest-bearing deposits | 79,311,000 | 77,499,000 | 79,033,000 | 80,402,000 |
| Equity capital | 66,055,000 | 67,685,000 | 64,435,000 | 46,284,000 |
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 | 7,273,000 | 14,676,000 | 21,898,000 | 29,042,000 |
| Interest expense | 1,649,000 | 3,225,000 | 4,672,000 | 5,914,000 |
| Net interest income | 5,624,000 | 11,451,000 | 17,226,000 | 23,128,000 |
| Noninterest income | 1,763,000 | 3,116,000 | 3,675,000 | 2,361,000 |
| Noninterest expense | 5,028,000 | 9,376,000 | 14,230,000 | 18,770,000 |
| Provision for loan losses | 1,617,000 | 3,375,000 | 9,886,000 | 24,196,000 |
| Pretax income | 845,000 | 2,234,000 | -1,645,000 | -15,496,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 845,000 | 2,234,000 | -1,645,000 | -15,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,127,000 | 55,915,000 | 52,144,000 | 38,258,000 |
| Total capital | 61,145,000 | 61,784,000 | 57,931,000 | 43,884,000 |
| Risk-weighted assets | 479,067,000 | 466,774,000 | 458,987,000 | 435,432,000 |