Call reports 2011
VALLEY CENTRAL BANK — 2011
What VALLEY CENTRAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 85,708,000 | 85,264,000 | 85,893,000 | 87,411,000 |
| Total loans | 53,413,000 | 53,051,000 | 52,212,000 | 53,234,000 |
| Allowance for loan losses | 542,000 | 603,000 | 611,000 | 594,000 |
| Securities available for sale | 22,512,000 | 21,162,000 | 17,596,000 | 20,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,528,000 | 58,083,000 | 58,740,000 | 60,186,000 |
| Interest-bearing deposits | 57,696,000 | 57,332,000 | 57,966,000 | 59,152,000 |
| Noninterest-bearing deposits | 832,000 | 751,000 | 774,000 | 1,034,000 |
| Equity capital | 25,592,000 | 25,772,000 | 25,933,000 | 25,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 909,000 | 1,842,000 | 2,705,000 | 3,602,000 |
| Interest expense | 199,000 | 387,000 | 566,000 | 740,000 |
| Net interest income | 710,000 | 1,455,000 | 2,139,000 | 2,862,000 |
| Noninterest income | 17,000 | 24,000 | -38,000 | -63,000 |
| Noninterest expense | 480,000 | 927,000 | 1,434,000 | 1,896,000 |
| Provision for loan losses | 45,000 | 190,000 | 295,000 | 367,000 |
| Pretax income | 202,000 | 362,000 | 372,000 | 536,000 |
| Income tax | 69,000 | 123,000 | 83,000 | 138,000 |
| Net income | 133,000 | 239,000 | 289,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,538,000 | 25,642,000 | 25,706,000 | 25,713,000 |
| Total capital | 26,080,000 | 26,169,000 | 26,264,000 | 26,278,000 |
| Risk-weighted assets | 45,936,000 | 42,095,000 | 44,561,000 | 45,169,000 |