Call reports 2008
VALLEY BANK AND TRUST CO. — 2008
What VALLEY BANK AND TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 304,562,000 | 305,969,000 | 304,067,000 | 323,777,000 |
| Total loans | 245,630,000 | 249,526,000 | 250,991,000 | 269,210,000 |
| Allowance for loan losses | 3,126,000 | 3,193,000 | 3,273,000 | 3,419,000 |
| Securities available for sale | 29,699,000 | 25,098,000 | 21,848,000 | 20,433,000 |
| Securities held to maturity | 1,990,000 | 2,926,000 | 4,784,000 | 4,630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,227,000 | 255,582,000 | 257,749,000 | 265,865,000 |
| Interest-bearing deposits | 229,647,000 | 221,450,000 | 224,462,000 | 230,512,000 |
| Noninterest-bearing deposits | 28,580,000 | 34,132,000 | 33,287,000 | 35,353,000 |
| Equity capital | 26,891,000 | 27,107,000 | 27,686,000 | 29,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,952,000 | 9,640,000 | 14,413,000 | 19,053,000 |
| Interest expense | 2,410,000 | 4,512,000 | 6,476,000 | 8,247,000 |
| Net interest income | 2,542,000 | 5,128,000 | 7,937,000 | 10,806,000 |
| Noninterest income | 895,000 | 1,764,000 | 2,866,000 | 3,854,000 |
| Noninterest expense | 2,460,000 | 4,925,000 | 7,432,000 | 9,978,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 600,000 |
| Pretax income | 827,000 | 1,667,000 | 2,971,000 | 4,082,000 |
| Income tax | 254,000 | 533,000 | 960,000 | 1,333,000 |
| Net income | 573,000 | 1,134,000 | 2,011,000 | 2,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,684,000 | 24,070,000 | 24,755,000 | 26,626,000 |
| Total capital | 26,810,000 | 27,263,000 | 28,028,000 | 30,045,000 |
| Risk-weighted assets | 263,030,000 | 267,920,000 | 266,642,000 | 291,122,000 |