Call reports 2008
UNITED VALLEY BANK — 2008
What UNITED VALLEY BANK 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 | 146,115,000 | 150,384,000 | 151,391,000 | 152,017,000 |
| Total loans | 117,757,000 | 122,424,000 | 122,523,000 | 121,060,000 |
| Allowance for loan losses | 1,752,000 | 1,800,000 | 1,814,000 | 2,090,000 |
| Securities available for sale | 7,722,000 | 8,182,000 | 8,023,000 | 9,413,000 |
| Securities held to maturity | 12,248,000 | 12,718,000 | 12,429,000 | 14,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,422,000 | 118,492,000 | 127,086,000 | 124,443,000 |
| Interest-bearing deposits | 104,600,000 | 101,117,000 | 110,074,000 | 103,291,000 |
| Noninterest-bearing deposits | 17,822,000 | 17,375,000 | 17,012,000 | 21,152,000 |
| Equity capital | 11,802,000 | 11,707,000 | 11,935,000 | 12,057,000 |
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 | 2,417,000 | 4,767,000 | 7,222,000 | 9,449,000 |
| Interest expense | 989,000 | 1,885,000 | 2,776,000 | 3,578,000 |
| Net interest income | 1,428,000 | 2,882,000 | 4,446,000 | 5,871,000 |
| Noninterest income | 134,000 | 263,000 | 405,000 | 550,000 |
| Noninterest expense | 994,000 | 2,005,000 | 3,015,000 | 4,257,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 390,000 |
| Pretax income | 508,000 | 1,020,000 | 1,656,000 | 1,774,000 |
| Income tax | 32,000 | 62,000 | 109,000 | 121,000 |
| Net income | 476,000 | 958,000 | 1,547,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,667,000 | 11,725,000 | 11,890,000 | 11,848,000 |
| Total capital | 13,268,000 | 13,338,000 | 13,479,000 | 13,439,000 |
| Risk-weighted assets | 127,965,000 | 128,847,000 | 126,925,000 | 126,814,000 |