Call reports 2010
VALLEY COMMUNITY BANK — 2010
What VALLEY COMMUNITY 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 | 154,101,000 | 141,797,000 | 135,128,000 | 123,774,000 |
| Total loans | 104,177,000 | 99,254,000 | 95,030,000 | 90,876,000 |
| Allowance for loan losses | 4,654,000 | 4,041,000 | 3,786,000 | 3,841,000 |
| Securities available for sale | 16,016,000 | 16,083,000 | 13,455,000 | 12,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,680,000 | 136,368,000 | 130,494,000 | 124,179,000 |
| Interest-bearing deposits | 132,984,000 | 126,764,000 | 121,333,000 | 114,586,000 |
| Noninterest-bearing deposits | 9,696,000 | 9,604,000 | 9,161,000 | 9,593,000 |
| Equity capital | 5,394,000 | 4,645,000 | 4,003,000 | -833,000 |
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 | 1,515,000 | 2,949,000 | 4,292,000 | 5,567,000 |
| Interest expense | 673,000 | 1,311,000 | 1,864,000 | 2,359,000 |
| Net interest income | 842,000 | 1,638,000 | 2,428,000 | 3,208,000 |
| Noninterest income | 168,000 | 411,000 | 619,000 | 649,000 |
| Noninterest expense | 1,559,000 | 3,310,000 | 5,170,000 | 7,915,000 |
| Provision for loan losses | 480,000 | 542,000 | 553,000 | 3,447,000 |
| Pretax income | -816,000 | -1,539,000 | -2,267,000 | -7,096,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -816,000 | -1,539,000 | -2,267,000 | -7,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,405,000 | 4,682,000 | 4,020,000 | -810,000 |
| Total capital | 6,726,000 | 5,986,000 | 5,240,000 | -810,000 |
| Risk-weighted assets | 102,337,000 | 101,606,000 | 95,662,000 | 91,625,000 |