Call reports 2008
SONOMA VALLEY BANK — 2008
What SONOMA VALLEY 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 | 297,591,000 | 302,744,000 | 316,899,000 | 321,765,000 |
| Total loans | 251,934,000 | 256,261,000 | 263,701,000 | 267,409,000 |
| Allowance for loan losses | 3,807,000 | 3,969,000 | 4,158,000 | 5,032,000 |
| Securities available for sale | 3,278,000 | 2,041,000 | 2,037,000 | 6,579,000 |
| Securities held to maturity | 14,229,000 | 13,964,000 | 13,382,000 | 13,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,998,000 | 244,887,000 | 247,846,000 | 254,117,000 |
| Interest-bearing deposits | 190,949,000 | 191,966,000 | 193,194,000 | 205,666,000 |
| Noninterest-bearing deposits | 50,049,000 | 52,921,000 | 54,652,000 | 48,451,000 |
| Equity capital | 28,417,000 | 29,501,000 | 29,616,000 | 30,227,000 |
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 | 5,171,000 | 10,094,000 | 14,930,000 | 19,931,000 |
| Interest expense | 1,600,000 | 2,971,000 | 4,207,000 | 5,448,000 |
| Net interest income | 3,571,000 | 7,123,000 | 10,723,000 | 14,483,000 |
| Noninterest income | 557,000 | 1,088,000 | 1,617,000 | 2,131,000 |
| Noninterest expense | 2,128,000 | 4,216,000 | 6,334,000 | 8,444,000 |
| Provision for loan losses | 220,000 | 530,000 | 830,000 | 2,110,000 |
| Pretax income | 1,780,000 | 3,465,000 | 5,176,000 | 6,060,000 |
| Income tax | 623,000 | 1,208,000 | 1,804,000 | 2,103,000 |
| Net income | 1,157,000 | 2,257,000 | 3,372,000 | 3,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,401,000 | 29,498,000 | 29,269,000 | 29,017,000 |
| Total capital | 31,889,000 | 33,027,000 | 32,882,000 | 32,640,000 |
| Risk-weighted assets | 278,721,000 | 281,886,000 | 288,479,000 | 288,461,000 |