Call reports 2011
VALLEY COMMUNITY BANK — 2011
What VALLEY COMMUNITY 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 | 195,344,000 | 195,723,000 | 187,415,000 | 185,332,000 |
| Total loans | 164,386,000 | 156,166,000 | 149,618,000 | 137,920,000 |
| Allowance for loan losses | 4,954,000 | 5,183,000 | 5,449,000 | 4,098,000 |
| Securities available for sale | 17,116,000 | 13,792,000 | 9,046,000 | 14,792,000 |
| Securities held to maturity | 177,000 | 148,000 | 122,000 | 99,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,042,000 | 163,158,000 | 155,672,000 | 157,861,000 |
| Interest-bearing deposits | 124,109,000 | 121,877,000 | 115,285,000 | 113,262,000 |
| Noninterest-bearing deposits | 38,933,000 | 41,282,000 | 40,387,000 | 44,599,000 |
| Equity capital | 23,556,000 | 24,222,000 | 23,852,000 | 19,681,000 |
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 | 2,609,000 | 4,920,000 | 7,083,000 | 9,114,000 |
| Interest expense | 313,000 | 580,000 | 844,000 | 1,093,000 |
| Net interest income | 2,296,000 | 4,340,000 | 6,239,000 | 8,021,000 |
| Noninterest income | 1,270,000 | 2,667,000 | 3,435,000 | 3,830,000 |
| Noninterest expense | 2,036,000 | 3,981,000 | 6,062,000 | 8,297,000 |
| Provision for loan losses | 2,100,000 | 2,700,000 | 3,800,000 | 7,500,000 |
| Pretax income | -570,000 | 326,000 | -188,000 | -3,946,000 |
| Income tax | -115,000 | 125,000 | 0 | 504,000 |
| Net income | -455,000 | 201,000 | -188,000 | -4,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,671,000 | 23,633,000 | 23,061,000 | 19,430,000 |
| Total capital | 24,852,000 | 25,728,000 | 25,059,000 | 21,314,000 |
| Risk-weighted assets | 171,699,000 | 164,506,000 | 156,317,000 | 148,481,000 |