Call reports 2009
VALLEY BUSINESS BANK — 2009
What VALLEY BUSINESS 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 | 310,080,000 | 323,977,000 | 343,269,000 | 340,090,000 |
| Total loans | 234,045,000 | 245,282,000 | 240,206,000 | 241,054,000 |
| Allowance for loan losses | 3,645,000 | 4,471,000 | 5,071,000 | 6,231,000 |
| Securities available for sale | 46,232,000 | 49,885,000 | 40,772,000 | 42,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,159,000 | 271,006,000 | 294,880,000 | 294,335,000 |
| Interest-bearing deposits | 235,478,000 | 244,088,000 | 267,511,000 | 263,668,000 |
| Noninterest-bearing deposits | 25,681,000 | 26,918,000 | 27,369,000 | 30,667,000 |
| Equity capital | 40,974,000 | 41,397,000 | 42,450,000 | 39,849,000 |
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 | 4,223,000 | 8,405,000 | 12,774,000 | 16,931,000 |
| Interest expense | 1,121,000 | 2,082,000 | 3,039,000 | 3,959,000 |
| Net interest income | 3,102,000 | 6,323,000 | 9,735,000 | 12,972,000 |
| Noninterest income | 311,000 | 958,000 | 1,298,000 | 1,615,000 |
| Noninterest expense | 2,371,000 | 4,555,000 | 6,788,000 | 9,116,000 |
| Provision for loan losses | 400,000 | 1,400,000 | 2,000,000 | 7,000,000 |
| Pretax income | 646,000 | 1,330,000 | 2,414,000 | -1,113,000 |
| Income tax | 190,000 | 234,000 | 601,000 | -926,000 |
| Net income | 456,000 | 1,096,000 | 1,813,000 | -187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,817,000 | 41,314,000 | 42,044,000 | 39,845,000 |
| Total capital | 44,140,000 | 44,733,000 | 45,445,000 | 43,256,000 |
| Risk-weighted assets | 265,467,000 | 272,450,000 | 270,333,000 | 270,018,000 |