Call reports 2008
VALLEY VIEW STATE BANK — 2008
What VALLEY VIEW STATE 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 | 690,613,000 | 695,925,000 | 699,035,000 | 704,060,000 |
| Total loans | 460,322,000 | 479,186,000 | 492,435,000 | 493,829,000 |
| Allowance for loan losses | 8,842,000 | 8,560,000 | 8,631,000 | 6,988,000 |
| Securities available for sale | 101,123,000 | 120,330,000 | 126,610,000 | 126,302,000 |
| Securities held to maturity | 54,459,000 | 51,224,000 | 49,182,000 | 47,509,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 559,801,000 | 569,875,000 | 558,375,000 | 568,324,000 |
| Interest-bearing deposits | 472,276,000 | 484,291,000 | 475,864,000 | 482,125,000 |
| Noninterest-bearing deposits | 87,525,000 | 85,584,000 | 82,511,000 | 86,199,000 |
| Equity capital | 100,881,000 | 100,614,000 | 102,165,000 | 103,778,000 |
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 | 10,210,000 | 20,066,000 | 30,026,000 | 39,815,000 |
| Interest expense | 3,720,000 | 7,143,000 | 10,555,000 | 13,855,000 |
| Net interest income | 6,490,000 | 12,923,000 | 19,471,000 | 25,960,000 |
| Noninterest income | 799,000 | 2,005,000 | 2,858,000 | 3,759,000 |
| Noninterest expense | 3,363,000 | 7,007,000 | 10,484,000 | 14,181,000 |
| Provision for loan losses | 6,000 | 19,000 | 138,000 | 2,352,000 |
| Pretax income | 3,920,000 | 7,902,000 | 11,707,000 | 13,253,000 |
| Income tax | 1,366,000 | 2,744,000 | 3,961,000 | 4,274,000 |
| Net income | 2,554,000 | 5,158,000 | 7,746,000 | 8,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,231,000 | 100,885,000 | 102,437,000 | 102,834,000 |
| Total capital | 105,863,000 | 107,731,000 | 109,870,000 | 109,822,000 |
| Risk-weighted assets | 566,849,000 | 577,960,000 | 593,415,000 | 594,002,000 |