Call reports 2009
TRI-VALLEY BANK — 2009
What TRI-VALLEY 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 | 57,057,000 | 58,336,000 | 57,119,000 | 58,802,000 |
| Total loans | 36,824,000 | 37,721,000 | 37,006,000 | 36,447,000 |
| Allowance for loan losses | 425,000 | 517,000 | 322,000 | 353,000 |
| Securities available for sale | 8,972,000 | 11,871,000 | 12,111,000 | 17,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,921,000 | 50,418,000 | 49,033,000 | 50,581,000 |
| Interest-bearing deposits | 41,240,000 | 42,806,000 | 42,456,000 | 42,392,000 |
| Noninterest-bearing deposits | 7,681,000 | 7,612,000 | 6,577,000 | 8,189,000 |
| Equity capital | 6,013,000 | 5,795,000 | 5,913,000 | 5,835,000 |
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 | 791,000 | 1,592,000 | 2,415,000 | 3,167,000 |
| Interest expense | 231,000 | 454,000 | 675,000 | 886,000 |
| Net interest income | 560,000 | 1,138,000 | 1,740,000 | 2,281,000 |
| Noninterest income | 45,000 | 76,000 | 102,000 | 146,000 |
| Noninterest expense | 442,000 | 1,198,000 | 1,729,000 | 2,272,000 |
| Provision for loan losses | 0 | 42,000 | 92,000 | 257,000 |
| Pretax income | 163,000 | -17,000 | 30,000 | -93,000 |
| Income tax | 51,000 | 51,000 | 51,000 | -53,000 |
| Net income | 112,000 | -68,000 | -21,000 | -40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,906,000 | 5,714,000 | 5,761,000 | 5,742,000 |
| Total capital | 6,331,000 | 6,214,000 | 6,083,000 | 6,095,000 |
| Risk-weighted assets | 41,225,000 | 39,198,000 | 37,119,000 | 38,313,000 |
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