Call reports 2009
VALLIANCE BANK — 2009
What VALLIANCE BANK 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 | 212,493,000 | 209,088,000 | 203,772,000 | 207,989,000 |
| Total loans | 196,730,000 | 191,504,000 | 187,687,000 | 188,809,000 |
| Allowance for loan losses | 1,167,000 | 1,360,000 | 1,435,000 | 1,044,000 |
| Securities available for sale | 9,237,000 | 8,519,000 | 8,011,000 | 7,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,630,000 | 184,642,000 | 169,820,000 | 174,468,000 |
| Interest-bearing deposits | 171,026,000 | 171,375,000 | 158,938,000 | 158,364,000 |
| Noninterest-bearing deposits | 12,604,000 | 13,267,000 | 10,882,000 | 16,104,000 |
| Equity capital | 14,749,000 | 14,711,000 | 17,102,000 | 17,253,000 |
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 | 3,210,000 | 6,248,000 | 9,219,000 | 12,046,000 |
| Interest expense | 1,753,000 | 3,223,000 | 4,570,000 | 5,722,000 |
| Net interest income | 1,457,000 | 3,025,000 | 4,649,000 | 6,324,000 |
| Noninterest income | 30,000 | 57,000 | 88,000 | 97,000 |
| Noninterest expense | 1,095,000 | 2,363,000 | 3,636,000 | 4,946,000 |
| Provision for loan losses | 300,000 | 512,000 | 608,000 | 808,000 |
| Pretax income | 92,000 | 207,000 | 493,000 | 667,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 92,000 | 207,000 | 493,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,488,000 | 14,569,000 | 16,820,000 | 16,959,000 |
| Total capital | 15,655,000 | 15,929,000 | 18,255,000 | 18,003,000 |
| Risk-weighted assets | 144,273,000 | 143,668,000 | 134,988,000 | 143,282,000 |