Call reports 2014
PREMIER VALLEY BANK — 2014
What PREMIER VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 580,868,000 | 594,373,000 | 618,564,000 | 650,281,000 |
| Total loans | 360,317,000 | 353,663,000 | 353,075,000 | 387,117,000 |
| Allowance for loan losses | 4,549,000 | 4,713,000 | 4,228,000 | 4,194,000 |
| Securities available for sale | 157,060,000 | 179,434,000 | 214,258,000 | 212,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 502,109,000 | 515,781,000 | 533,030,000 | 537,226,000 |
| Interest-bearing deposits | 331,204,000 | 328,690,000 | 338,020,000 | 337,322,000 |
| Noninterest-bearing deposits | 170,905,000 | 187,091,000 | 195,010,000 | 199,904,000 |
| Equity capital | 68,115,000 | 67,850,000 | 67,831,000 | 69,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,053,000 | 10,167,000 | 15,264,000 | 20,528,000 |
| Interest expense | 168,000 | 332,000 | 489,000 | 647,000 |
| Net interest income | 4,885,000 | 9,835,000 | 14,775,000 | 19,881,000 |
| Noninterest income | 628,000 | 1,598,000 | 2,505,000 | 3,392,000 |
| Noninterest expense | 3,503,000 | 6,654,000 | 10,047,000 | 13,267,000 |
| Provision for loan losses | 0 | 0 | -500,000 | -500,000 |
| Pretax income | 2,751,000 | 5,520,000 | 8,474,000 | 11,247,000 |
| Income tax | 963,000 | 1,925,000 | 2,968,000 | 4,059,000 |
| Net income | 1,788,000 | 3,595,000 | 5,506,000 | 7,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,338,000 | 54,146,000 | 54,451,000 | 54,993,000 |
| Total capital | 60,024,000 | 58,996,000 | 58,816,000 | 59,324,000 |
| Risk-weighted assets | 417,392,000 | 410,962,000 | 408,219,000 | 443,444,000 |