Call reports 2010
TRI-VALLEY BANK — 2010
What TRI-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 | 89,166,000 | 82,276,000 | 76,428,000 | 70,353,000 |
| Total loans | 69,519,000 | 65,481,000 | 61,301,000 | 57,503,000 |
| Allowance for loan losses | 2,562,000 | 2,532,000 | 2,573,000 | 2,798,000 |
| Securities available for sale | 8,305,000 | 5,836,000 | 5,497,000 | 4,963,000 |
| Securities held to maturity | 1,133,000 | 721,000 | 636,000 | 556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,234,000 | 69,826,000 | 62,614,000 | 55,424,000 |
| Interest-bearing deposits | 64,151,000 | 57,402,000 | 50,374,000 | 44,945,000 |
| Noninterest-bearing deposits | 12,083,000 | 12,425,000 | 12,240,000 | 10,480,000 |
| Equity capital | 7,695,000 | 7,065,000 | 6,607,000 | 5,196,000 |
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 | 965,000 | 1,922,000 | 2,797,000 | 3,590,000 |
| Interest expense | 220,000 | 407,000 | 541,000 | 668,000 |
| Net interest income | 745,000 | 1,515,000 | 2,256,000 | 2,922,000 |
| Noninterest income | 47,000 | 81,000 | 310,000 | 350,000 |
| Noninterest expense | 1,136,000 | 2,169,000 | 3,217,000 | 4,359,000 |
| Provision for loan losses | 0 | 378,000 | 954,000 | 1,870,000 |
| Pretax income | -344,000 | -951,000 | -1,605,000 | -2,957,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -344,000 | -952,000 | -1,606,000 | -2,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,634,000 | 7,055,000 | 6,425,000 | 5,081,000 |
| Total capital | 8,608,000 | 7,987,000 | 7,287,000 | 5,897,000 |
| Risk-weighted assets | 77,685,000 | 73,658,000 | 66,474,000 | 62,916,000 |