Call reports 2014
VALLEY STATE BANK, THE — 2014
What VALLEY STATE BANK, THE 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 | 125,264,000 | 125,141,000 | 127,174,000 | 127,375,000 |
| Total loans | 62,099,000 | 59,182,000 | 61,169,000 | 64,843,000 |
| Allowance for loan losses | 787,000 | 787,000 | 778,000 | 778,000 |
| Securities available for sale | 56,044,000 | 57,637,000 | 60,234,000 | 57,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,850,000 | 108,409,000 | 106,169,000 | 106,970,000 |
| Interest-bearing deposits | 81,163,000 | 79,814,000 | 78,349,000 | 79,811,000 |
| Noninterest-bearing deposits | 27,687,000 | 28,595,000 | 27,820,000 | 27,159,000 |
| Equity capital | 14,847,000 | 15,134,000 | 15,319,000 | 15,340,000 |
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 | 1,176,000 | 2,326,000 | 3,495,000 | 4,689,000 |
| Interest expense | 210,000 | 409,000 | 600,000 | 793,000 |
| Net interest income | 966,000 | 1,917,000 | 2,895,000 | 3,896,000 |
| Noninterest income | 100,000 | 222,000 | 329,000 | 446,000 |
| Noninterest expense | 760,000 | 1,552,000 | 2,294,000 | 3,111,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 306,000 | 587,000 | 930,000 | 1,264,000 |
| Income tax | 74,000 | 141,000 | 228,000 | 314,000 |
| Net income | 232,000 | 446,000 | 702,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,448,000 | 14,562,000 | 14,818,000 | 14,866,000 |
| Total capital | 15,203,000 | 15,294,000 | 15,568,000 | 15,644,000 |
| Risk-weighted assets | 60,397,000 | 58,471,000 | 60,006,000 | 63,298,000 |
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