Call reports 2011
VALLEY BUSINESS BANK — 2011
What VALLEY BUSINESS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 344,382,000 | 338,657,000 | 339,962,000 | 365,881,000 |
| Total loans | 228,803,000 | 239,065,000 | 232,642,000 | 230,001,000 |
| Allowance for loan losses | 6,931,000 | 7,032,000 | 5,589,000 | 5,469,000 |
| Securities available for sale | 57,593,000 | 59,396,000 | 64,093,000 | 56,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,985,000 | 289,960,000 | 290,023,000 | 316,013,000 |
| Interest-bearing deposits | 265,226,000 | 198,800,000 | 191,152,000 | 187,424,000 |
| Noninterest-bearing deposits | 31,759,000 | 91,160,000 | 98,871,000 | 128,589,000 |
| Equity capital | 42,094,000 | 43,634,000 | 44,669,000 | 45,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,894,000 | 7,764,000 | 11,772,000 | 15,647,000 |
| Interest expense | 429,000 | 843,000 | 1,264,000 | 1,553,000 |
| Net interest income | 3,465,000 | 6,921,000 | 10,508,000 | 14,094,000 |
| Noninterest income | 311,000 | 620,000 | 944,000 | 1,260,000 |
| Noninterest expense | 2,398,000 | 4,714,000 | 7,162,000 | 9,630,000 |
| Provision for loan losses | 225,000 | 225,000 | 375,000 | 600,000 |
| Pretax income | 1,166,000 | 2,639,000 | 4,059,000 | 5,414,000 |
| Income tax | 404,000 | 902,000 | 1,419,000 | 1,882,000 |
| Net income | 762,000 | 1,737,000 | 2,640,000 | 3,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,142,000 | 43,124,000 | 43,742,000 | 44,648,000 |
| Total capital | 45,311,000 | 46,424,000 | 46,904,000 | 47,846,000 |
| Risk-weighted assets | 249,726,000 | 260,225,000 | 250,375,000 | 253,559,000 |