Call reports 2009
VALLEY COMMUNITY BANK — 2009
What VALLEY COMMUNITY 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 | 177,526,000 | 167,053,000 | 170,517,000 | 154,437,000 |
| Total loans | 129,069,000 | 124,798,000 | 114,126,000 | 110,633,000 |
| Allowance for loan losses | 1,938,000 | 2,688,000 | 3,240,000 | 4,535,000 |
| Securities available for sale | 28,591,000 | 25,367,000 | 29,902,000 | 28,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,120,000 | 144,242,000 | 148,798,000 | 139,973,000 |
| Interest-bearing deposits | 139,403,000 | 130,863,000 | 137,516,000 | 129,014,000 |
| Noninterest-bearing deposits | 12,717,000 | 13,379,000 | 11,282,000 | 10,959,000 |
| Equity capital | 12,213,000 | 11,292,000 | 9,869,000 | 6,391,000 |
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 | 1,958,000 | 3,809,000 | 5,543,000 | 7,220,000 |
| Interest expense | 1,139,000 | 2,170,000 | 3,148,000 | 3,965,000 |
| Net interest income | 819,000 | 1,639,000 | 2,395,000 | 3,255,000 |
| Noninterest income | 143,000 | 294,000 | 551,000 | 659,000 |
| Noninterest expense | 1,419,000 | 2,923,000 | 4,570,000 | 6,037,000 |
| Provision for loan losses | 186,000 | 1,012,000 | 2,802,000 | 4,602,000 |
| Pretax income | -590,000 | -1,938,000 | -4,257,000 | -6,628,000 |
| Income tax | -202,000 | -660,000 | -1,477,000 | -412,000 |
| Net income | -388,000 | -1,278,000 | -2,780,000 | -6,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,049,000 | 11,231,000 | 9,656,000 | 6,221,000 |
| Total capital | 13,471,000 | 12,829,000 | 11,207,000 | 7,668,000 |
| Risk-weighted assets | 133,278,000 | 126,745,000 | 122,406,000 | 112,705,000 |