Call reports 2009
BANK OF THE VALLEY — 2009
What BANK OF THE VALLEY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,987,000 | 66,203,000 | 69,357,000 | 71,445,000 |
| Total loans | 49,121,000 | 54,490,000 | 57,635,000 | 57,121,000 |
| Allowance for loan losses | 799,000 | 849,000 | 845,000 | 836,000 |
| Securities available for sale | 5,928,000 | 5,573,000 | 5,712,000 | 6,018,000 |
| Securities held to maturity | 1,529,000 | 1,374,000 | 1,293,000 | 1,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,769,000 | 51,572,000 | 54,687,000 | 57,853,000 |
| Interest-bearing deposits | 42,354,000 | 44,045,000 | 47,933,000 | 49,057,000 |
| Noninterest-bearing deposits | 8,415,000 | 7,527,000 | 6,754,000 | 8,795,000 |
| Equity capital | 4,956,000 | 5,658,000 | 5,903,000 | 5,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,789,000 | 2,745,000 | 3,714,000 |
| Interest expense | 286,000 | 542,000 | 804,000 | 1,081,000 |
| Net interest income | 556,000 | 1,247,000 | 1,941,000 | 2,633,000 |
| Noninterest income | 60,000 | 133,000 | 199,000 | 269,000 |
| Noninterest expense | 473,000 | 948,000 | 1,427,000 | 1,933,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 143,000 | 432,000 | 713,000 | 959,000 |
| Income tax | 38,000 | 127,000 | 212,000 | 286,000 |
| Net income | 105,000 | 305,000 | 501,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,726,000 | 5,435,000 | 5,639,000 | 5,730,000 |
| Total capital | 5,318,000 | 6,079,000 | 6,310,000 | 6,415,000 |
| Risk-weighted assets | 47,198,000 | 51,352,000 | 52,915,000 | 54,662,000 |