Call reports 2008
VALLEY BANK OF NEVADA — 2008
What VALLEY BANK OF NEVADA 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 | 66,454,000 | 84,872,000 | 86,451,000 | 96,964,000 |
| Total loans | 56,680,000 | 58,515,000 | 60,846,000 | 64,427,000 |
| Allowance for loan losses | 882,000 | 678,000 | 814,000 | 1,920,000 |
| Securities available for sale | 2,008,000 | 0 | 2,496,000 | 5,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,556,000 | 67,874,000 | 66,816,000 | 78,403,000 |
| Interest-bearing deposits | 42,292,000 | 62,717,000 | 61,273,000 | 59,662,000 |
| Noninterest-bearing deposits | 7,264,000 | 5,157,000 | 5,543,000 | 18,741,000 |
| Equity capital | 16,647,000 | 16,637,000 | 17,269,000 | 16,231,000 |
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 | 1,208,000 | 2,428,000 | 3,707,000 | 4,930,000 |
| Interest expense | 431,000 | 908,000 | 1,474,000 | 2,006,000 |
| Net interest income | 777,000 | 1,520,000 | 2,233,000 | 2,924,000 |
| Noninterest income | 20,000 | 37,000 | 44,000 | 58,000 |
| Noninterest expense | 709,000 | 1,454,000 | 2,172,000 | 2,871,000 |
| Provision for loan losses | 101,000 | 128,000 | 233,000 | 1,338,000 |
| Pretax income | -13,000 | -25,000 | -128,000 | -1,227,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -13,000 | -25,000 | -128,000 | -1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,636,000 | 16,637,000 | 17,264,000 | 16,177,000 |
| Total capital | 17,418,000 | 17,353,000 | 18,114,000 | 17,116,000 |
| Risk-weighted assets | 62,396,000 | 67,023,000 | 70,144,000 | 74,125,000 |