Call reports 2012
PREMIER VALLEY BANK — 2012
What PREMIER VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 532,809,000 | 536,447,000 | 540,303,000 | 554,425,000 |
| Total loans | 332,413,000 | 357,263,000 | 340,130,000 | 337,690,000 |
| Allowance for loan losses | 6,167,000 | 5,841,000 | 5,817,000 | 5,277,000 |
| Securities available for sale | 116,668,000 | 125,482,000 | 126,219,000 | 165,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,108,000 | 458,341,000 | 461,470,000 | 471,099,000 |
| Interest-bearing deposits | 226,660,000 | 217,825,000 | 219,518,000 | 211,725,000 |
| Noninterest-bearing deposits | 229,448,000 | 240,516,000 | 241,952,000 | 259,374,000 |
| Equity capital | 65,663,000 | 66,529,000 | 67,456,000 | 68,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,239,000 | 10,475,000 | 15,540,000 | 20,310,000 |
| Interest expense | 198,000 | 372,000 | 532,000 | 690,000 |
| Net interest income | 5,041,000 | 10,103,000 | 15,008,000 | 19,620,000 |
| Noninterest income | 874,000 | 1,763,000 | 2,331,000 | 3,533,000 |
| Noninterest expense | 3,396,000 | 6,655,000 | 9,756,000 | 12,818,000 |
| Provision for loan losses | 249,000 | 498,000 | 1,596,000 | 1,596,000 |
| Pretax income | 2,270,000 | 4,713,000 | 6,176,000 | 8,928,000 |
| Income tax | 755,000 | 1,528,000 | 2,010,000 | 2,823,000 |
| Net income | 1,515,000 | 3,185,000 | 4,166,000 | 6,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,447,000 | 51,203,000 | 51,609,000 | 52,529,000 |
| Total capital | 54,914,000 | 55,887,000 | 56,169,000 | 57,225,000 |
| Risk-weighted assets | 358,786,000 | 376,768,000 | 366,693,000 | 374,999,000 |