Call reports 2009
VALLEY STATE BANK — 2009
What VALLEY STATE 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 | 101,748,000 | 100,133,000 | 100,243,000 | 104,128,000 |
| Total loans | 50,890,000 | 51,983,000 | 53,387,000 | 54,396,000 |
| Allowance for loan losses | 636,000 | 721,000 | 796,000 | 878,000 |
| Securities available for sale | 37,645,000 | 33,316,000 | 37,272,000 | 37,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,043,000 | 83,975,000 | 83,403,000 | 87,618,000 |
| Interest-bearing deposits | 77,371,000 | 76,637,000 | 77,156,000 | 81,438,000 |
| Noninterest-bearing deposits | 7,672,000 | 7,338,000 | 6,247,000 | 6,180,000 |
| Equity capital | 16,353,000 | 15,797,000 | 16,317,000 | 16,136,000 |
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 | 1,182,000 | 2,312,000 | 3,398,000 | 4,478,000 |
| Interest expense | 430,000 | 850,000 | 1,256,000 | 1,654,000 |
| Net interest income | 752,000 | 1,462,000 | 2,142,000 | 2,824,000 |
| Noninterest income | 80,000 | 152,000 | 226,000 | 305,000 |
| Noninterest expense | 567,000 | 1,748,000 | 2,325,000 | 2,851,000 |
| Provision for loan losses | 70,000 | 160,000 | 250,000 | 540,000 |
| Pretax income | 212,000 | -256,000 | -169,000 | -214,000 |
| Income tax | 56,000 | 75,000 | 49,000 | -18,000 |
| Net income | 156,000 | -331,000 | -218,000 | -196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,224,000 | 15,738,000 | 15,852,000 | 15,873,000 |
| Total capital | 16,860,000 | 16,449,000 | 16,597,000 | 16,679,000 |
| Risk-weighted assets | 59,969,000 | 59,151,000 | 59,564,000 | 64,401,000 |