Call reports 2010
VALLIANCE BANK — 2010
What VALLIANCE BANK 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 | 197,042,000 | 196,224,000 | 190,226,000 | 181,941,000 |
| Total loans | 182,127,000 | 170,783,000 | 157,646,000 | 146,870,000 |
| Allowance for loan losses | 1,336,000 | 1,386,000 | 1,655,000 | 1,505,000 |
| Securities available for sale | 5,780,000 | 16,544,000 | 21,157,000 | 19,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,673,000 | 172,364,000 | 161,858,000 | 153,676,000 |
| Interest-bearing deposits | 164,080,000 | 159,725,000 | 147,861,000 | 141,005,000 |
| Noninterest-bearing deposits | 9,593,000 | 12,639,000 | 13,997,000 | 12,671,000 |
| Equity capital | 17,246,000 | 17,411,000 | 17,097,000 | 17,061,000 |
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 | 2,765,000 | 5,433,000 | 7,971,000 | 10,381,000 |
| Interest expense | 1,119,000 | 2,185,000 | 3,143,000 | 3,990,000 |
| Net interest income | 1,646,000 | 3,248,000 | 4,828,000 | 6,391,000 |
| Noninterest income | 37,000 | 62,000 | 47,000 | 80,000 |
| Noninterest expense | 1,305,000 | 2,620,000 | 4,019,000 | 5,473,000 |
| Provision for loan losses | 298,000 | 498,000 | 822,000 | 832,000 |
| Pretax income | 102,000 | 214,000 | 324,000 | 456,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 214,000 | 324,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,974,000 | 17,023,000 | 17,069,000 | 17,137,000 |
| Total capital | 18,310,000 | 18,409,000 | 18,680,000 | 18,642,000 |
| Risk-weighted assets | 140,001,000 | 135,099,000 | 128,841,000 | 128,495,000 |