Call reports 2010
VALLEY CENTRAL BANK — 2010
What VALLEY CENTRAL 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 | 83,236,000 | 82,625,000 | 84,352,000 | 85,468,000 |
| Total loans | 53,450,000 | 52,093,000 | 51,048,000 | 50,243,000 |
| Allowance for loan losses | 754,000 | 394,000 | 707,000 | 607,000 |
| Securities available for sale | 15,854,000 | 19,563,000 | 17,620,000 | 14,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,328,000 | 55,491,000 | 57,240,000 | 58,409,000 |
| Interest-bearing deposits | 55,649,000 | 54,922,000 | 55,874,000 | 57,771,000 |
| Noninterest-bearing deposits | 679,000 | 569,000 | 1,366,000 | 638,000 |
| Equity capital | 25,555,000 | 25,723,000 | 25,535,000 | 25,492,000 |
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 | 973,000 | 1,915,000 | 2,843,000 | 3,685,000 |
| Interest expense | 240,000 | 468,000 | 686,000 | 901,000 |
| Net interest income | 733,000 | 1,447,000 | 2,157,000 | 2,784,000 |
| Noninterest income | 6,000 | 15,000 | 23,000 | 30,000 |
| Noninterest expense | 512,000 | 996,000 | 1,543,000 | 2,071,000 |
| Provision for loan losses | 22,000 | 55,000 | 477,000 | 506,000 |
| Pretax income | 205,000 | 411,000 | 160,000 | 237,000 |
| Income tax | 70,000 | 140,000 | 61,000 | 80,000 |
| Net income | 135,000 | 271,000 | 99,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,395,000 | 25,520,000 | 25,346,000 | 25,404,000 |
| Total capital | 25,970,000 | 25,914,000 | 25,899,000 | 25,923,000 |
| Risk-weighted assets | 45,634,000 | 45,918,000 | 44,121,000 | 41,414,000 |