Call reports 2010
VALLEY BUSINESS BANK — 2010
What VALLEY BUSINESS 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 | 344,486,000 | 339,923,000 | 342,143,000 | 341,340,000 |
| Total loans | 241,940,000 | 251,546,000 | 242,059,000 | 241,003,000 |
| Allowance for loan losses | 6,822,000 | 7,440,000 | 6,448,000 | 6,699,000 |
| Securities available for sale | 41,142,000 | 44,723,000 | 43,826,000 | 50,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,560,000 | 293,960,000 | 295,807,000 | 294,418,000 |
| Interest-bearing deposits | 272,118,000 | 264,776,000 | 267,843,000 | 261,457,000 |
| Noninterest-bearing deposits | 26,442,000 | 29,184,000 | 27,964,000 | 32,961,000 |
| Equity capital | 39,919,000 | 40,665,000 | 41,343,000 | 41,622,000 |
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 | 3,972,000 | 8,121,000 | 12,203,000 | 16,218,000 |
| Interest expense | 708,000 | 1,408,000 | 2,011,000 | 2,505,000 |
| Net interest income | 3,264,000 | 6,713,000 | 10,192,000 | 13,713,000 |
| Noninterest income | 289,000 | 617,000 | 959,000 | 1,289,000 |
| Noninterest expense | 2,474,000 | 4,773,000 | 6,939,000 | 9,267,000 |
| Provision for loan losses | 600,000 | 1,250,000 | 1,800,000 | 2,050,000 |
| Pretax income | 479,000 | 1,308,000 | 2,422,000 | 3,719,000 |
| Income tax | 125,000 | 379,000 | 745,000 | 1,190,000 |
| Net income | 354,000 | 929,000 | 1,677,000 | 2,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,818,000 | 40,402,000 | 40,806,000 | 41,663,000 |
| Total capital | 43,171,000 | 43,829,000 | 44,084,000 | 44,931,000 |
| Risk-weighted assets | 264,710,000 | 270,101,000 | 259,034,000 | 257,983,000 |