Call reports 2008
HOPEWELL VALLEY COMMUNITY BANK — 2008
What HOPEWELL VALLEY COMMUNITY 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 | 259,209,000 | 257,592,000 | 262,719,000 | 260,961,000 |
| Total loans | 186,959,000 | 187,872,000 | 187,317,000 | 189,031,000 |
| Allowance for loan losses | 2,010,000 | 2,014,000 | 2,049,000 | 2,094,000 |
| Securities available for sale | 23,552,000 | 31,141,000 | 36,460,000 | 35,802,000 |
| Securities held to maturity | 3,115,000 | 3,115,000 | 3,077,000 | 4,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,628,000 | 215,162,000 | 218,404,000 | 215,653,000 |
| Interest-bearing deposits | 190,509,000 | 185,982,000 | 187,662,000 | 187,846,000 |
| Noninterest-bearing deposits | 26,119,000 | 29,180,000 | 30,742,000 | 27,807,000 |
| Equity capital | 21,212,000 | 20,948,000 | 21,167,000 | 21,735,000 |
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 | 3,701,000 | 7,248,000 | 10,919,000 | 14,512,000 |
| Interest expense | 1,886,000 | 3,532,000 | 5,162,000 | 6,712,000 |
| Net interest income | 1,815,000 | 3,716,000 | 5,757,000 | 7,800,000 |
| Noninterest income | 195,000 | 396,000 | 673,000 | 716,000 |
| Noninterest expense | 1,820,000 | 3,718,000 | 5,641,000 | 7,454,000 |
| Provision for loan losses | 70,000 | 130,000 | 300,000 | 360,000 |
| Pretax income | 120,000 | 264,000 | 489,000 | 788,000 |
| Income tax | 11,000 | 36,000 | 96,000 | 185,000 |
| Net income | 109,000 | 228,000 | 393,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,255,000 | 21,454,000 | 21,532,000 | 21,781,000 |
| Total capital | 23,265,000 | 23,468,000 | 23,581,000 | 23,875,000 |
| Risk-weighted assets | 195,868,000 | 197,749,000 | 197,695,000 | 196,478,000 |