Call reports 2010
VALLEY BANK — 2010
What VALLEY 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 | 733,988,000 | 762,925,000 | 779,973,000 | 765,432,000 |
| Total loans | 562,861,000 | 540,040,000 | 536,669,000 | 542,846,000 |
| Allowance for loan losses | 12,247,000 | 10,811,000 | 10,669,000 | 11,003,000 |
| Securities available for sale | 76,436,000 | 88,957,000 | 102,575,000 | 145,894,000 |
| Securities held to maturity | 11,483,000 | 10,969,000 | 10,082,000 | 7,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,562,000 | 617,187,000 | 631,173,000 | 632,451,000 |
| Interest-bearing deposits | 560,774,000 | 595,447,000 | 615,541,000 | 614,683,000 |
| Noninterest-bearing deposits | 20,788,000 | 21,740,000 | 15,632,000 | 17,768,000 |
| Equity capital | 62,079,000 | 64,138,000 | 65,261,000 | 63,555,000 |
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 | 8,186,000 | 16,516,000 | 24,652,000 | 33,069,000 |
| Interest expense | 3,127,000 | 6,147,000 | 9,114,000 | 11,637,000 |
| Net interest income | 5,059,000 | 10,369,000 | 15,538,000 | 21,432,000 |
| Noninterest income | 564,000 | 1,199,000 | 1,978,000 | 2,409,000 |
| Noninterest expense | 4,145,000 | 8,410,000 | 12,533,000 | 17,296,000 |
| Provision for loan losses | 208,000 | -127,000 | 105,000 | 1,127,000 |
| Pretax income | 1,270,000 | 3,285,000 | 4,878,000 | 5,418,000 |
| Income tax | 324,000 | 970,000 | 1,415,000 | 1,525,000 |
| Net income | 946,000 | 2,315,000 | 3,463,000 | 3,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,728,000 | 63,096,000 | 64,244,000 | 64,674,000 |
| Total capital | 68,914,000 | 70,300,000 | 71,414,000 | 72,031,000 |
| Risk-weighted assets | 569,846,000 | 572,713,000 | 570,123,000 | 584,790,000 |