Call reports 2009
VALLIANCE BANK — 2009
What VALLIANCE 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 | 124,141,000 | 130,911,000 | 124,612,000 | 127,307,000 |
| Total loans | 103,592,000 | 112,632,000 | 109,745,000 | 105,539,000 |
| Allowance for loan losses | 707,000 | 887,000 | 1,065,000 | 1,302,000 |
| Securities available for sale | 3,074,000 | 2,820,000 | 2,609,000 | 2,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,231,000 | 112,996,000 | 106,977,000 | 109,774,000 |
| Interest-bearing deposits | 102,327,000 | 110,027,000 | 103,229,000 | 107,045,000 |
| Noninterest-bearing deposits | 1,904,000 | 2,969,000 | 3,748,000 | 2,729,000 |
| Equity capital | 9,617,000 | 11,740,000 | 11,500,000 | 11,340,000 |
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 | 1,719,000 | 3,469,000 | 5,280,000 | 6,987,000 |
| Interest expense | 1,026,000 | 2,025,000 | 2,949,000 | 3,887,000 |
| Net interest income | 693,000 | 1,444,000 | 2,331,000 | 3,100,000 |
| Noninterest income | 47,000 | 65,000 | 34,000 | 45,000 |
| Noninterest expense | 814,000 | 1,610,000 | 2,560,000 | 3,574,000 |
| Provision for loan losses | 135,000 | 315,000 | 493,000 | 1,425,000 |
| Pretax income | -209,000 | -416,000 | -688,000 | -1,854,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -209,000 | -416,000 | -688,000 | -1,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,624,000 | 11,718,000 | 11,446,000 | 11,274,000 |
| Total capital | 10,330,000 | 12,605,000 | 12,511,000 | 12,367,000 |
| Risk-weighted assets | 85,419,000 | 94,102,000 | 89,366,000 | 87,198,000 |