Call reports 2010
VALLEY COMMUNITY BANK — 2010
What VALLEY COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 226,036,000 | 218,520,000 | 209,498,000 | 206,902,000 |
| Total loans | 177,327,000 | 172,404,000 | 166,676,000 | 167,007,000 |
| Allowance for loan losses | 4,784,000 | 4,903,000 | 4,167,000 | 3,416,000 |
| Securities available for sale | 12,197,000 | 14,807,000 | 17,311,000 | 16,496,000 |
| Securities held to maturity | 722,000 | 507,000 | 261,000 | 209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,958,000 | 184,634,000 | 178,260,000 | 176,042,000 |
| Interest-bearing deposits | 158,740,000 | 151,189,000 | 141,666,000 | 139,232,000 |
| Noninterest-bearing deposits | 32,218,000 | 33,446,000 | 36,594,000 | 36,809,000 |
| Equity capital | 24,491,000 | 24,594,000 | 24,860,000 | 24,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,973,000 | 5,855,000 | 8,641,000 | 11,366,000 |
| Interest expense | 522,000 | 1,033,000 | 1,481,000 | 1,904,000 |
| Net interest income | 2,451,000 | 4,822,000 | 7,160,000 | 9,462,000 |
| Noninterest income | 262,000 | 677,000 | 1,724,000 | 2,104,000 |
| Noninterest expense | 1,801,000 | 3,749,000 | 5,844,000 | 7,718,000 |
| Provision for loan losses | 300,000 | 900,000 | 1,625,000 | 3,550,000 |
| Pretax income | 612,000 | 850,000 | 1,415,000 | 298,000 |
| Income tax | 247,000 | 340,000 | 567,000 | 94,000 |
| Net income | 365,000 | 510,000 | 848,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,296,000 | 23,628,000 | 24,189,000 | 23,542,000 |
| Total capital | 26,661,000 | 25,923,000 | 26,459,000 | 25,794,000 |
| Risk-weighted assets | 186,719,000 | 180,900,000 | 179,683,000 | 178,902,000 |