Call reports 2008
PACIFIC VALLEY BANK — 2008
What PACIFIC VALLEY 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 | 174,891,000 | 192,029,000 | 193,131,000 | 192,724,000 |
| Total loans | 132,816,000 | 158,123,000 | 160,540,000 | 153,510,000 |
| Allowance for loan losses | 1,519,000 | 2,069,000 | 2,194,000 | 2,694,000 |
| Securities available for sale | 20,364,000 | 18,784,000 | 18,348,000 | 18,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,290,000 | 150,212,000 | 151,143,000 | 155,188,000 |
| Interest-bearing deposits | 126,251,000 | 125,575,000 | 124,472,000 | 126,382,000 |
| Noninterest-bearing deposits | 21,038,000 | 24,638,000 | 26,670,000 | 28,807,000 |
| Equity capital | 17,458,000 | 16,690,000 | 16,754,000 | 18,202,000 |
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 | 2,560,000 | 5,189,000 | 7,992,000 | 10,706,000 |
| Interest expense | 1,122,000 | 2,097,000 | 3,182,000 | 4,178,000 |
| Net interest income | 1,438,000 | 3,092,000 | 4,810,000 | 6,528,000 |
| Noninterest income | 38,000 | 103,000 | 325,000 | 460,000 |
| Noninterest expense | 1,732,000 | 3,392,000 | 5,286,000 | 7,493,000 |
| Provision for loan losses | 222,000 | 833,000 | 947,000 | 1,847,000 |
| Pretax income | -477,000 | -1,029,000 | -1,097,000 | -2,351,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -478,000 | -1,030,000 | -1,098,000 | -2,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,180,000 | 16,693,000 | 16,687,000 | 17,936,000 |
| Total capital | 18,699,000 | 18,762,000 | 18,856,000 | 20,019,000 |
| Risk-weighted assets | 137,879,000 | 166,136,000 | 173,478,000 | 166,038,000 |