Call reports 2011
VALLANT BANK — 2011
What VALLANT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 583,013,000 | 581,426,000 | 570,175,000 | 576,596,000 |
| Total loans | 373,947,000 | 368,511,000 | 358,357,000 | 353,648,000 |
| Allowance for loan losses | 9,723,000 | 8,844,000 | 7,749,000 | 8,025,000 |
| Securities available for sale | 129,555,000 | 124,203,000 | 139,863,000 | 148,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,695,000 | 513,906,000 | 500,554,000 | 509,513,000 |
| Interest-bearing deposits | 465,107,000 | 453,956,000 | 411,520,000 | 419,319,000 |
| Noninterest-bearing deposits | 60,588,000 | 59,950,000 | 89,034,000 | 90,194,000 |
| Equity capital | 49,143,000 | 53,647,000 | 57,501,000 | 59,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,886,000 | 13,737,000 | 20,476,000 | 26,855,000 |
| Interest expense | 1,041,000 | 1,940,000 | 2,736,000 | 3,402,000 |
| Net interest income | 5,845,000 | 11,797,000 | 17,740,000 | 23,453,000 |
| Noninterest income | 1,562,000 | 2,882,000 | 4,503,000 | 5,915,000 |
| Noninterest expense | 4,661,000 | 9,643,000 | 14,754,000 | 20,024,000 |
| Provision for loan losses | 790,000 | 1,580,000 | 3,313,000 | 4,133,000 |
| Pretax income | 2,050,000 | 3,828,000 | 4,706,000 | 6,128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,050,000 | 3,828,000 | 4,706,000 | 6,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,339,000 | 42,215,000 | 43,844,000 | 47,106,000 |
| Total capital | 45,700,000 | 47,431,000 | 49,040,000 | 52,207,000 |
| Risk-weighted assets | 424,525,000 | 413,643,000 | 413,093,000 | 405,159,000 |