Call reports 2009
VALLEY COMMUNITY BANK — 2009
What VALLEY COMMUNITY 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 | 208,533,000 | 209,316,000 | 217,430,000 | 221,100,000 |
| Total loans | 185,669,000 | 183,280,000 | 183,750,000 | 179,926,000 |
| Allowance for loan losses | 3,203,000 | 3,471,000 | 4,021,000 | 4,141,000 |
| Securities available for sale | 6,187,000 | 8,394,000 | 7,880,000 | 11,394,000 |
| Securities held to maturity | 1,625,000 | 1,229,000 | 1,061,000 | 877,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,295,000 | 171,474,000 | 184,095,000 | 188,403,000 |
| Interest-bearing deposits | 138,013,000 | 135,860,000 | 146,112,000 | 151,856,000 |
| Noninterest-bearing deposits | 30,282,000 | 35,614,000 | 37,983,000 | 36,547,000 |
| Equity capital | 23,876,000 | 24,228,000 | 24,801,000 | 24,218,000 |
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 | 2,987,000 | 6,020,000 | 8,996,000 | 12,150,000 |
| Interest expense | 811,000 | 1,485,000 | 2,121,000 | 2,670,000 |
| Net interest income | 2,176,000 | 4,535,000 | 6,875,000 | 9,480,000 |
| Noninterest income | 200,000 | 964,000 | 1,549,000 | 3,152,000 |
| Noninterest expense | 1,860,000 | 3,798,000 | 5,529,000 | 7,903,000 |
| Provision for loan losses | 270,000 | 700,000 | 1,000,000 | 3,700,000 |
| Pretax income | 246,000 | 1,001,000 | 1,895,000 | 1,029,000 |
| Income tax | 110,000 | 443,000 | 833,000 | 503,000 |
| Net income | 136,000 | 558,000 | 1,062,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,854,000 | 24,232,000 | 24,784,000 | 23,674,000 |
| Total capital | 26,347,000 | 26,601,000 | 27,211,000 | 26,104,000 |
| Risk-weighted assets | 197,915,000 | 188,383,000 | 192,399,000 | 192,677,000 |