Call reports 2008
CENTRAL VALLEY BANK — 2008
What CENTRAL VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 130,629,000 | 137,276,000 | 139,202,000 | 137,333,000 |
| Total loans | 103,169,000 | 115,324,000 | 118,475,000 | 111,320,000 |
| Allowance for loan losses | 1,238,000 | 1,298,000 | 1,357,000 | 1,447,000 |
| Securities available for sale | 10,811,000 | 9,831,000 | 5,385,000 | 5,415,000 |
| Securities held to maturity | 1,280,000 | 1,209,000 | 5,358,000 | 4,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,636,000 | 119,479,000 | 117,678,000 | 123,977,000 |
| Interest-bearing deposits | 93,314,000 | 93,322,000 | 94,692,000 | 101,190,000 |
| Noninterest-bearing deposits | 24,323,000 | 26,157,000 | 22,986,000 | 22,787,000 |
| Equity capital | 12,229,000 | 12,160,000 | 12,669,000 | 12,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,772,000 | 7,263,000 | 9,728,000 |
| Interest expense | 771,000 | 1,477,000 | 2,154,000 | 2,771,000 |
| Net interest income | 1,624,000 | 3,295,000 | 5,109,000 | 6,957,000 |
| Noninterest income | 308,000 | 642,000 | 969,000 | 1,276,000 |
| Noninterest expense | 996,000 | 2,051,000 | 3,133,000 | 4,181,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 270,000 |
| Pretax income | 876,000 | 1,157,000 | 2,087,000 | 2,830,000 |
| Income tax | 298,000 | 395,000 | 715,000 | 967,000 |
| Net income | 578,000 | 762,000 | 1,372,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,171,000 | 12,165,000 | 12,635,000 | 12,681,000 |
| Total capital | 13,409,000 | 13,463,000 | 13,992,000 | 14,008,000 |
| Risk-weighted assets | 99,932,000 | 110,704,000 | 112,016,000 | 106,243,000 |