Call reports 2009
TRI-VALLEY BANK — 2009
What TRI-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 | 94,930,000 | 97,272,000 | 90,304,000 | 87,236,000 |
| Total loans | 78,857,000 | 76,862,000 | 74,821,000 | 71,806,000 |
| Allowance for loan losses | 1,848,000 | 1,848,000 | 2,025,000 | 2,061,000 |
| Securities available for sale | 7,652,000 | 9,031,000 | 8,246,000 | 8,387,000 |
| Securities held to maturity | 2,220,000 | 1,832,000 | 1,588,000 | 1,355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,273,000 | 81,125,000 | 78,829,000 | 77,072,000 |
| Interest-bearing deposits | 65,838,000 | 67,202,000 | 65,474,000 | 63,774,000 |
| Noninterest-bearing deposits | 10,435,000 | 13,923,000 | 13,355,000 | 13,298,000 |
| Equity capital | 11,385,000 | 10,782,000 | 9,206,000 | 7,936,000 |
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 | 1,189,000 | 2,344,000 | 3,457,000 | 4,533,000 |
| Interest expense | 346,000 | 692,000 | 994,000 | 1,263,000 |
| Net interest income | 843,000 | 1,652,000 | 2,463,000 | 3,270,000 |
| Noninterest income | 40,000 | 63,000 | 84,000 | 220,000 |
| Noninterest expense | 1,046,000 | 1,918,000 | 2,837,000 | 3,977,000 |
| Provision for loan losses | 0 | 400,000 | 2,010,000 | 3,064,000 |
| Pretax income | -163,000 | -603,000 | -2,300,000 | -3,551,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -163,000 | -603,000 | -2,300,000 | -3,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,399,000 | 10,839,000 | 9,174,000 | 7,949,000 |
| Total capital | 12,553,000 | 11,975,000 | 10,252,000 | 8,989,000 |
| Risk-weighted assets | 90,712,000 | 89,320,000 | 84,486,000 | 81,408,000 |