Call reports 2008
VALLEY PREMIER BANK — 2008
What VALLEY PREMIER 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 | 76,664,000 | 77,772,000 | 77,314,000 | 77,814,000 |
| Total loans | 45,627,000 | 48,527,000 | 48,886,000 | 51,974,000 |
| Allowance for loan losses | 491,000 | 492,000 | 541,000 | 538,000 |
| Securities available for sale | 15,369,000 | 16,271,000 | 17,422,000 | 18,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,912,000 | 71,278,000 | 70,505,000 | 70,346,000 |
| Interest-bearing deposits | 57,923,000 | 59,835,000 | 59,096,000 | 59,580,000 |
| Noninterest-bearing deposits | 11,989,000 | 11,443,000 | 11,409,000 | 10,766,000 |
| Equity capital | 6,379,000 | 6,113,000 | 6,437,000 | 7,227,000 |
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 | 1,112,000 | 2,200,000 | 3,321,000 | 4,458,000 |
| Interest expense | 466,000 | 887,000 | 1,258,000 | 1,602,000 |
| Net interest income | 646,000 | 1,313,000 | 2,063,000 | 2,856,000 |
| Noninterest income | 85,000 | 167,000 | 242,000 | 306,000 |
| Noninterest expense | 501,000 | 983,000 | 1,472,000 | 1,973,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 275,000 | 557,000 | 843,000 | 1,205,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 274,000 | 556,000 | 842,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,084,000 | 6,173,000 | 6,370,000 | 6,642,000 |
| Total capital | 6,575,000 | 6,666,000 | 6,911,000 | 7,180,000 |
| Risk-weighted assets | 51,532,000 | 54,152,000 | 54,523,000 | 56,482,000 |