Call reports 2009
VALLEY BANK — 2009
What VALLEY 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 | 686,051,000 | 692,518,000 | 706,549,000 | 710,945,000 |
| Total loans | 561,173,000 | 582,461,000 | 582,467,000 | 565,527,000 |
| Allowance for loan losses | 7,513,000 | 11,134,000 | 11,305,000 | 12,614,000 |
| Securities available for sale | 66,156,000 | 61,304,000 | 53,964,000 | 70,485,000 |
| Securities held to maturity | 14,188,000 | 13,434,000 | 12,491,000 | 11,991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,106,000 | 535,496,000 | 547,852,000 | 556,246,000 |
| Interest-bearing deposits | 489,560,000 | 517,443,000 | 530,401,000 | 538,617,000 |
| Noninterest-bearing deposits | 18,546,000 | 18,053,000 | 17,451,000 | 17,629,000 |
| Equity capital | 63,110,000 | 60,263,000 | 63,864,000 | 60,737,000 |
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 | 8,253,000 | 16,847,000 | 25,466,000 | 34,053,000 |
| Interest expense | 3,594,000 | 7,122,000 | 10,642,000 | 13,988,000 |
| Net interest income | 4,659,000 | 9,725,000 | 14,824,000 | 20,065,000 |
| Noninterest income | 421,000 | 872,000 | 1,485,000 | 1,498,000 |
| Noninterest expense | 3,624,000 | 7,758,000 | 11,712,000 | 15,865,000 |
| Provision for loan losses | 1,416,000 | 7,408,000 | 7,909,000 | 13,216,000 |
| Pretax income | 307,000 | -4,302,000 | -2,343,000 | -6,499,000 |
| Income tax | 66,000 | -1,541,000 | -923,000 | -2,430,000 |
| Net income | 241,000 | -2,761,000 | -1,420,000 | -4,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,591,000 | 59,589,000 | 63,430,000 | 60,781,000 |
| Total capital | 69,756,000 | 66,961,000 | 70,817,000 | 68,003,000 |
| Risk-weighted assets | 572,812,000 | 586,001,000 | 587,030,000 | 572,373,000 |