Call reports 2011
VALLEY BANK AND TRUST CO. — 2011
What VALLEY BANK AND TRUST CO. 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 | 331,655,000 | 321,995,000 | 318,918,000 | 323,021,000 |
| Total loans | 241,816,000 | 246,243,000 | 245,814,000 | 247,043,000 |
| Allowance for loan losses | 3,786,000 | 3,628,000 | 3,629,000 | 3,627,000 |
| Securities available for sale | 37,979,000 | 37,689,000 | 31,988,000 | 35,433,000 |
| Securities held to maturity | 8,278,000 | 8,112,000 | 8,460,000 | 8,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,747,000 | 279,811,000 | 279,284,000 | 280,201,000 |
| Interest-bearing deposits | 245,242,000 | 237,128,000 | 233,089,000 | 228,012,000 |
| Noninterest-bearing deposits | 45,505,000 | 42,683,000 | 46,195,000 | 52,189,000 |
| Equity capital | 34,337,000 | 34,988,000 | 35,801,000 | 36,291,000 |
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 | 3,921,000 | 7,828,000 | 11,728,000 | 15,552,000 |
| Interest expense | 837,000 | 1,592,000 | 2,276,000 | 2,891,000 |
| Net interest income | 3,084,000 | 6,236,000 | 9,452,000 | 12,661,000 |
| Noninterest income | 843,000 | 1,712,000 | 2,712,000 | 3,562,000 |
| Noninterest expense | 2,813,000 | 5,646,000 | 8,210,000 | 10,959,000 |
| Provision for loan losses | 300,000 | 430,000 | 730,000 | 1,030,000 |
| Pretax income | 814,000 | 1,920,000 | 3,273,000 | 4,266,000 |
| Income tax | 238,000 | 581,000 | 1,018,000 | 1,234,000 |
| Net income | 576,000 | 1,339,000 | 2,255,000 | 3,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,401,000 | 31,894,000 | 32,540,000 | 32,992,000 |
| Total capital | 34,657,000 | 35,197,000 | 35,822,000 | 36,253,000 |
| Risk-weighted assets | 259,943,000 | 263,178,000 | 262,227,000 | 260,501,000 |