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 | 676,320,000 | 690,557,000 | 659,031,000 | 632,827,000 |
| Total loans | 479,160,000 | 490,682,000 | 472,189,000 | 440,275,000 |
| Allowance for loan losses | 6,314,000 | 5,978,000 | 5,819,000 | 5,728,000 |
| Securities available for sale | 59,008,000 | 67,295,000 | 72,696,000 | 71,721,000 |
| Securities held to maturity | 67,329,000 | 50,474,000 | 43,756,000 | 39,014,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 514,879,000 | 530,383,000 | 496,651,000 | 470,757,000 |
| Interest-bearing deposits | 461,502,000 | 477,509,000 | 439,259,000 | 411,409,000 |
| Noninterest-bearing deposits | 53,377,000 | 52,874,000 | 57,392,000 | 59,348,000 |
| Equity capital | 51,344,000 | 50,767,000 | 52,143,000 | 54,629,000 |
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 | 9,004,000 | 17,886,000 | 26,638,000 | 35,022,000 |
| Interest expense | 4,238,000 | 8,321,000 | 12,000,000 | 15,150,000 |
| Net interest income | 4,766,000 | 9,565,000 | 14,638,000 | 19,872,000 |
| Noninterest income | 2,640,000 | 6,620,000 | 9,727,000 | 12,887,000 |
| Noninterest expense | 5,875,000 | 11,553,000 | 18,256,000 | 24,566,000 |
| Provision for loan losses | 1,700,000 | 1,700,000 | 2,228,000 | 3,152,000 |
| Pretax income | 1,680,000 | -4,048,000 | -2,947,000 | -1,358,000 |
| Income tax | 529,000 | -2,495,000 | -2,125,000 | -1,562,000 |
| Net income | 1,151,000 | -1,553,000 | -822,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,299,000 | 49,906,000 | 50,671,000 | 53,256,000 |
| Total capital | 56,613,000 | 55,884,000 | 56,490,000 | 58,984,000 |
| Risk-weighted assets | 703,977,000 | 540,107,000 | 528,095,000 | 497,687,000 |