Call reports 2008
TRI-VALLEY BANK — 2008
What TRI-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 | 92,455,000 | 97,091,000 | 96,479,000 | 93,777,000 |
| Total loans | 74,436,000 | 80,966,000 | 80,284,000 | 83,110,000 |
| Allowance for loan losses | 835,000 | 956,000 | 1,430,000 | 1,847,000 |
| Securities available for sale | 3,781,000 | 5,404,000 | 5,320,000 | 5,468,000 |
| Securities held to maturity | 3,217,000 | 2,946,000 | 2,830,000 | 2,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,922,000 | 79,760,000 | 80,678,000 | 69,387,000 |
| Interest-bearing deposits | 65,110,000 | 67,489,000 | 70,351,000 | 57,862,000 |
| Noninterest-bearing deposits | 9,811,000 | 12,271,000 | 10,327,000 | 11,525,000 |
| Equity capital | 14,166,000 | 13,822,000 | 12,422,000 | 11,572,000 |
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 | 1,603,000 | 3,118,000 | 4,551,000 | 5,919,000 |
| Interest expense | 606,000 | 1,137,000 | 1,602,000 | 1,987,000 |
| Net interest income | 997,000 | 1,981,000 | 2,949,000 | 3,932,000 |
| Noninterest income | 39,000 | 132,000 | 162,000 | 190,000 |
| Noninterest expense | 1,306,000 | 2,633,000 | 3,907,000 | 5,119,000 |
| Provision for loan losses | -6,000 | 160,000 | 1,444,000 | 2,274,000 |
| Pretax income | -264,000 | -680,000 | -2,240,000 | -3,271,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -264,000 | -680,000 | -2,240,000 | -3,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,107,000 | 13,926,000 | 12,533,000 | 11,533,000 |
| Total capital | 15,037,000 | 14,988,000 | 13,704,000 | 12,715,000 |
| Risk-weighted assets | 89,510,000 | 94,113,000 | 92,539,000 | 93,799,000 |