Call reports 2011
VALLEY STATE BANK — 2011
What VALLEY STATE 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 | 114,297,000 | 118,222,000 | 117,625,000 | 117,417,000 |
| Total loans | 48,417,000 | 48,923,000 | 50,509,000 | 50,949,000 |
| Allowance for loan losses | 966,000 | 999,000 | 990,000 | 1,033,000 |
| Securities available for sale | 49,316,000 | 54,913,000 | 55,436,000 | 53,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,219,000 | 100,718,000 | 99,841,000 | 99,497,000 |
| Interest-bearing deposits | 88,712,000 | 91,564,000 | 91,411,000 | 91,935,000 |
| Noninterest-bearing deposits | 8,507,000 | 9,154,000 | 8,430,000 | 7,562,000 |
| Equity capital | 16,590,000 | 16,995,000 | 17,263,000 | 17,384,000 |
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 | 977,000 | 1,986,000 | 3,013,000 | 4,007,000 |
| Interest expense | 343,000 | 692,000 | 1,023,000 | 1,305,000 |
| Net interest income | 634,000 | 1,294,000 | 1,990,000 | 2,702,000 |
| Noninterest income | 102,000 | 186,000 | 264,000 | 337,000 |
| Noninterest expense | 561,000 | 1,119,000 | 1,707,000 | 2,189,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 145,000 | 301,000 | 498,000 | 795,000 |
| Income tax | 30,000 | 63,000 | 111,000 | 190,000 |
| Net income | 115,000 | 238,000 | 387,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,279,000 | 16,403,000 | 16,552,000 | 16,771,000 |
| Total capital | 16,996,000 | 17,133,000 | 17,290,000 | 17,514,000 |
| Risk-weighted assets | 57,115,000 | 58,139,000 | 58,782,000 | 59,115,000 |