Call reports 2009
VALLEY CENTRAL BANK — 2009
What VALLEY CENTRAL 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 | 81,218,000 | 82,001,000 | 82,181,000 | 81,666,000 |
| Total loans | 55,856,000 | 53,863,000 | 54,176,000 | 53,257,000 |
| Allowance for loan losses | 851,000 | 881,000 | 1,351,000 | 732,000 |
| Securities available for sale | 9,190,000 | 9,982,000 | 11,805,000 | 16,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,742,000 | 55,327,000 | 55,432,000 | 54,910,000 |
| Interest-bearing deposits | 54,016,000 | 54,669,000 | 54,696,000 | 54,489,000 |
| Noninterest-bearing deposits | 726,000 | 658,000 | 736,000 | 421,000 |
| Equity capital | 25,105,000 | 25,318,000 | 25,324,000 | 25,390,000 |
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 | 1,030,000 | 2,049,000 | 3,013,000 | 3,958,000 |
| Interest expense | 340,000 | 657,000 | 954,000 | 1,226,000 |
| Net interest income | 690,000 | 1,392,000 | 2,059,000 | 2,732,000 |
| Noninterest income | 8,000 | 15,000 | 25,000 | 30,000 |
| Noninterest expense | 424,000 | 827,000 | 1,333,000 | 1,808,000 |
| Provision for loan losses | 530,000 | 560,000 | 1,030,000 | 1,040,000 |
| Pretax income | -256,000 | 20,000 | -279,000 | -86,000 |
| Income tax | 83,000 | 177,000 | -88,000 | -29,000 |
| Net income | -339,000 | -157,000 | -191,000 | -57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,978,000 | 25,160,000 | 25,125,000 | 25,260,000 |
| Total capital | 25,329,000 | 25,666,000 | 25,798,000 | 25,858,000 |
| Risk-weighted assets | 43,451,000 | 40,104,000 | 52,596,000 | 47,346,000 |