Call reports 2008
VALLEY COMMUNITY BANK — 2008
What VALLEY COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 159,403,000 | 153,272,000 | 155,597,000 | 168,288,000 |
| Total loans | 138,014,000 | 133,869,000 | 136,061,000 | 131,921,000 |
| Allowance for loan losses | 1,360,000 | 1,389,000 | 1,684,000 | 1,914,000 |
| Securities available for sale | 9,628,000 | 12,113,000 | 11,848,000 | 22,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,248,000 | 126,078,000 | 130,304,000 | 142,014,000 |
| Interest-bearing deposits | 116,346,000 | 109,948,000 | 113,548,000 | 127,353,000 |
| Noninterest-bearing deposits | 17,902,000 | 16,130,000 | 16,756,000 | 14,661,000 |
| Equity capital | 13,392,000 | 13,166,000 | 12,699,000 | 12,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,486,000 | 4,954,000 | 7,285,000 | 9,328,000 |
| Interest expense | 1,144,000 | 2,208,000 | 3,178,000 | 4,298,000 |
| Net interest income | 1,342,000 | 2,746,000 | 4,107,000 | 5,030,000 |
| Noninterest income | 146,000 | 287,000 | 462,000 | 530,000 |
| Noninterest expense | 1,360,000 | 2,692,000 | 4,034,000 | 5,489,000 |
| Provision for loan losses | 75,000 | 154,000 | 727,000 | 1,427,000 |
| Pretax income | 45,000 | 195,000 | -200,000 | -1,364,000 |
| Income tax | 15,000 | 66,000 | 0 | -541,000 |
| Net income | 30,000 | 129,000 | -200,000 | -823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,355,000 | 13,454,000 | 12,936,000 | 12,436,000 |
| Total capital | 14,715,000 | 14,843,000 | 14,620,000 | 14,124,000 |
| Risk-weighted assets | 139,770,000 | 138,367,000 | 136,460,000 | 134,654,000 |