Call reports 2010
BANK OF THE VALLEY — 2010
What BANK OF THE VALLEY 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 | 74,702,000 | 77,454,000 | 81,957,000 | 83,907,000 |
| Total loans | 56,100,000 | 63,487,000 | 68,548,000 | 66,919,000 |
| Allowance for loan losses | 835,000 | 857,000 | 878,000 | 891,000 |
| Securities available for sale | 8,325,000 | 7,560,000 | 5,801,000 | 7,090,000 |
| Securities held to maturity | 1,095,000 | 936,000 | 863,000 | 849,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,005,000 | 60,927,000 | 65,559,000 | 67,421,000 |
| Interest-bearing deposits | 51,175,000 | 53,604,000 | 59,143,000 | 56,960,000 |
| Noninterest-bearing deposits | 8,831,000 | 7,323,000 | 6,416,000 | 10,461,000 |
| Equity capital | 6,056,000 | 6,303,000 | 6,518,000 | 7,055,000 |
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 | 918,000 | 1,972,000 | 3,045,000 | 4,071,000 |
| Interest expense | 273,000 | 564,000 | 880,000 | 1,092,000 |
| Net interest income | 645,000 | 1,408,000 | 2,165,000 | 2,979,000 |
| Noninterest income | 61,000 | 132,000 | 193,000 | 259,000 |
| Noninterest expense | 499,000 | 949,000 | 1,454,000 | 1,977,000 |
| Provision for loan losses | 0 | 27,000 | 48,000 | 62,000 |
| Pretax income | 207,000 | 564,000 | 856,000 | 1,199,000 |
| Income tax | 61,000 | 173,000 | 261,000 | 367,000 |
| Net income | 146,000 | 391,000 | 595,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,829,000 | 6,083,000 | 6,288,000 | 6,954,000 |
| Total capital | 6,502,000 | 6,833,000 | 7,089,000 | 7,768,000 |
| Risk-weighted assets | 53,713,000 | 59,943,000 | 63,875,000 | 64,998,000 |