Call reports 2012
VALLEY BANK OF GLASGOW — 2012
What VALLEY BANK OF GLASGOW 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 | 34,491,000 | 33,498,000 | 34,721,000 | 37,606,000 |
| Total loans | 19,066,000 | 20,429,000 | 21,196,000 | 21,237,000 |
| Allowance for loan losses | 319,000 | 320,000 | 338,000 | 339,000 |
| Securities available for sale | 5,536,000 | 5,353,000 | 5,566,000 | 5,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,383,000 | 30,256,000 | 31,309,000 | 34,071,000 |
| Interest-bearing deposits | 25,776,000 | 25,327,000 | 25,867,000 | 26,815,000 |
| Noninterest-bearing deposits | 5,607,000 | 4,929,000 | 5,442,000 | 7,256,000 |
| Equity capital | 2,810,000 | 2,873,000 | 2,971,000 | 2,915,000 |
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 | 393,000 | 819,000 | 1,244,000 | 1,665,000 |
| Interest expense | 91,000 | 180,000 | 266,000 | 346,000 |
| Net interest income | 302,000 | 639,000 | 978,000 | 1,319,000 |
| Noninterest income | 42,000 | 85,000 | 187,000 | 236,000 |
| Noninterest expense | 299,000 | 597,000 | 890,000 | 1,162,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 127,000 | 275,000 | 393,000 |
| Income tax | 14,000 | 42,000 | 96,000 | 140,000 |
| Net income | 31,000 | 85,000 | 179,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,768,000 | 2,822,000 | 2,915,000 | 2,862,000 |
| Total capital | 2,989,000 | 3,057,000 | 3,188,000 | 3,118,000 |
| Risk-weighted assets | 17,565,000 | 18,733,000 | 21,798,000 | 20,359,000 |