Call reports 2010
UNITED VALLEY BANK — 2010
What UNITED VALLEY BANK 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 | 196,332,000 | 196,296,000 | 196,979,000 | 206,501,000 |
| Total loans | 143,504,000 | 143,651,000 | 146,573,000 | 143,586,000 |
| Allowance for loan losses | 1,938,000 | 2,080,000 | 2,269,000 | 2,203,000 |
| Securities available for sale | 10,587,000 | 14,602,000 | 14,358,000 | 25,860,000 |
| Securities held to maturity | 20,513,000 | 21,940,000 | 22,303,000 | 21,795,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,936,000 | 166,219,000 | 166,900,000 | 180,455,000 |
| Interest-bearing deposits | 138,139,000 | 136,904,000 | 139,348,000 | 137,692,000 |
| Noninterest-bearing deposits | 26,797,000 | 29,315,000 | 27,552,000 | 42,763,000 |
| Equity capital | 19,697,000 | 19,646,000 | 19,822,000 | 19,733,000 |
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 | 2,284,000 | 4,740,000 | 7,253,000 | 9,701,000 |
| Interest expense | 476,000 | 958,000 | 1,419,000 | 1,864,000 |
| Net interest income | 1,808,000 | 3,782,000 | 5,834,000 | 7,837,000 |
| Noninterest income | 162,000 | -13,000 | 202,000 | 420,000 |
| Noninterest expense | 1,380,000 | 2,906,000 | 4,323,000 | 5,973,000 |
| Provision for loan losses | 115,000 | 265,000 | 705,000 | 755,000 |
| Pretax income | 475,000 | 598,000 | 1,008,000 | 1,529,000 |
| Income tax | 27,000 | 32,000 | 53,000 | 97,000 |
| Net income | 448,000 | 566,000 | 955,000 | 1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,921,000 | 15,783,000 | 16,000,000 | 16,293,000 |
| Total capital | 17,779,000 | 17,612,000 | 17,789,000 | 18,074,000 |
| Risk-weighted assets | 148,530,000 | 146,062,000 | 142,602,000 | 142,071,000 |