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 | 628,451,000 | 636,508,000 | 638,184,000 | 631,546,000 |
| Total loans | 412,516,000 | 424,671,000 | 430,668,000 | 415,382,000 |
| Allowance for loan losses | 7,061,000 | 6,604,000 | 9,051,000 | 10,585,000 |
| Securities available for sale | 92,736,000 | 99,524,000 | 110,143,000 | 147,236,000 |
| Securities held to maturity | 37,596,000 | 32,078,000 | 22,641,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,202,000 | 477,748,000 | 483,807,000 | 479,559,000 |
| Interest-bearing deposits | 408,229,000 | 409,346,000 | 419,745,000 | 405,842,000 |
| Noninterest-bearing deposits | 59,973,000 | 68,402,000 | 64,062,000 | 73,717,000 |
| Equity capital | 54,405,000 | 56,203,000 | 54,226,000 | 51,865,000 |
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 | 7,564,000 | 15,285,000 | 22,804,000 | 30,518,000 |
| Interest expense | 2,687,000 | 5,226,000 | 7,672,000 | 10,040,000 |
| Net interest income | 4,877,000 | 10,059,000 | 15,132,000 | 20,478,000 |
| Noninterest income | 1,624,000 | 4,554,000 | 8,014,000 | 11,097,000 |
| Noninterest expense | 5,183,000 | 10,859,000 | 17,196,000 | 24,129,000 |
| Provision for loan losses | 2,215,000 | 2,215,000 | 6,011,000 | 10,069,000 |
| Pretax income | 18,000 | 2,557,000 | 396,000 | -3,811,000 |
| Income tax | -118,000 | 767,000 | -130,000 | -1,317,000 |
| Net income | 136,000 | 1,790,000 | 526,000 | -2,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,402,000 | 55,065,000 | 53,811,000 | 50,500,000 |
| Total capital | 59,343,000 | 61,114,000 | 59,935,000 | 56,434,000 |
| Risk-weighted assets | 474,130,000 | 483,330,000 | 486,999,000 | 470,075,000 |