Call reports 2009
VALLEY BANK AND TRUST CO. — 2009
What VALLEY BANK AND TRUST CO. 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 | 325,808,000 | 331,602,000 | 331,406,000 | 331,503,000 |
| Total loans | 272,097,000 | 267,095,000 | 270,971,000 | 263,952,000 |
| Allowance for loan losses | 3,617,000 | 3,548,000 | 3,977,000 | 3,216,000 |
| Securities available for sale | 21,286,000 | 24,183,000 | 26,521,000 | 25,581,000 |
| Securities held to maturity | 4,339,000 | 3,903,000 | 3,555,000 | 3,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,732,000 | 286,198,000 | 282,818,000 | 286,533,000 |
| Interest-bearing deposits | 239,254,000 | 253,922,000 | 250,095,000 | 251,009,000 |
| Noninterest-bearing deposits | 34,478,000 | 32,276,000 | 32,723,000 | 35,524,000 |
| Equity capital | 33,837,000 | 33,532,000 | 33,550,000 | 33,214,000 |
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 | 4,409,000 | 8,874,000 | 13,277,000 | 17,452,000 |
| Interest expense | 1,604,000 | 3,207,000 | 4,787,000 | 6,264,000 |
| Net interest income | 2,805,000 | 5,667,000 | 8,490,000 | 11,188,000 |
| Noninterest income | 963,000 | 1,839,000 | 2,817,000 | 3,675,000 |
| Noninterest expense | 2,554,000 | 5,125,000 | 7,957,000 | 10,661,000 |
| Provision for loan losses | 225,000 | 1,400,000 | 2,350,000 | 3,700,000 |
| Pretax income | 989,000 | 981,000 | 1,100,000 | 602,000 |
| Income tax | 324,000 | 296,000 | 318,000 | 63,000 |
| Net income | 665,000 | 685,000 | 782,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,828,000 | 30,569,000 | 30,475,000 | 30,233,000 |
| Total capital | 34,445,000 | 33,976,000 | 34,120,000 | 33,449,000 |
| Risk-weighted assets | 298,051,000 | 290,648,000 | 293,575,000 | 285,877,000 |