Call reports 2010
VALLEY BANK AND TRUST CO. — 2010
What VALLEY BANK AND TRUST CO. 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 | 323,704,000 | 328,429,000 | 331,801,000 | 328,854,000 |
| Total loans | 253,840,000 | 249,744,000 | 245,275,000 | 250,059,000 |
| Allowance for loan losses | 3,206,000 | 3,014,000 | 3,238,000 | 3,495,000 |
| Securities available for sale | 27,715,000 | 27,302,000 | 34,618,000 | 37,072,000 |
| Securities held to maturity | 7,057,000 | 6,791,000 | 6,572,000 | 8,826,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,958,000 | 283,494,000 | 285,896,000 | 288,593,000 |
| Interest-bearing deposits | 244,846,000 | 246,585,000 | 244,845,000 | 242,046,000 |
| Noninterest-bearing deposits | 34,112,000 | 36,909,000 | 41,051,000 | 46,547,000 |
| Equity capital | 33,380,000 | 33,567,000 | 34,150,000 | 33,823,000 |
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 | 4,055,000 | 8,106,000 | 12,160,000 | 16,201,000 |
| Interest expense | 1,333,000 | 2,565,000 | 3,678,000 | 4,630,000 |
| Net interest income | 2,722,000 | 5,541,000 | 8,482,000 | 11,571,000 |
| Noninterest income | 844,000 | 1,633,000 | 2,565,000 | 3,425,000 |
| Noninterest expense | 2,616,000 | 5,357,000 | 8,148,000 | 11,221,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,650,000 |
| Pretax income | 503,000 | 913,000 | 1,540,000 | 2,116,000 |
| Income tax | 139,000 | 246,000 | 393,000 | 538,000 |
| Net income | 364,000 | 667,000 | 1,147,000 | 1,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,437,000 | 30,564,000 | 30,869,000 | 31,100,000 |
| Total capital | 33,643,000 | 33,578,000 | 34,104,000 | 34,406,000 |
| Risk-weighted assets | 266,416,000 | 263,722,000 | 259,534,000 | 264,369,000 |