Call reports 2008
VALLIANCE BANK — 2008
What VALLIANCE 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 | 165,480,000 | 168,770,000 | 187,954,000 | 224,800,000 |
| Total loans | 151,234,000 | 152,865,000 | 160,481,000 | 204,804,000 |
| Allowance for loan losses | 644,000 | 710,000 | 808,000 | 959,000 |
| Securities available for sale | 8,165,000 | 7,602,000 | 7,609,000 | 12,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,524,000 | 149,352,000 | 163,826,000 | 203,946,000 |
| Interest-bearing deposits | 130,614,000 | 135,632,000 | 151,581,000 | 190,628,000 |
| Noninterest-bearing deposits | 8,910,000 | 13,720,000 | 12,245,000 | 13,318,000 |
| Equity capital | 11,384,000 | 11,190,000 | 14,498,000 | 14,633,000 |
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 | 2,689,000 | 5,317,000 | 7,966,000 | 10,728,000 |
| Interest expense | 1,559,000 | 2,986,000 | 4,387,000 | 5,832,000 |
| Net interest income | 1,130,000 | 2,331,000 | 3,579,000 | 4,896,000 |
| Noninterest income | 30,000 | 69,000 | 91,000 | 114,000 |
| Noninterest expense | 935,000 | 1,941,000 | 3,008,000 | 4,136,000 |
| Provision for loan losses | 37,000 | 142,000 | 240,000 | 515,000 |
| Pretax income | 188,000 | 317,000 | 422,000 | 359,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 188,000 | 317,000 | 422,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,344,000 | 11,447,000 | 14,530,000 | 14,437,000 |
| Total capital | 11,988,000 | 12,157,000 | 15,338,000 | 15,396,000 |
| Risk-weighted assets | 103,414,000 | 114,990,000 | 124,944,000 | 142,582,000 |