Call reports 2014
VALLEY BANK OF GLASGOW — 2014
What VALLEY BANK OF GLASGOW 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 | 34,330,000 | 36,885,000 | 37,078,000 | 36,868,000 |
| Total loans | 22,530,000 | 25,434,000 | 26,106,000 | 23,665,000 |
| Allowance for loan losses | 326,000 | 326,000 | 332,000 | 339,000 |
| Securities available for sale | 6,995,000 | 6,533,000 | 6,502,000 | 6,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,867,000 | 32,874,000 | 33,409,000 | 33,117,000 |
| Interest-bearing deposits | 25,380,000 | 26,994,000 | 27,020,000 | 26,355,000 |
| Noninterest-bearing deposits | 5,487,000 | 5,880,000 | 6,389,000 | 6,762,000 |
| Equity capital | 3,020,000 | 3,220,000 | 3,318,000 | 3,391,000 |
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 | 415,000 | 877,000 | 1,370,000 | 1,839,000 |
| Interest expense | 66,000 | 128,000 | 192,000 | 251,000 |
| Net interest income | 349,000 | 749,000 | 1,178,000 | 1,588,000 |
| Noninterest income | 62,000 | 255,000 | 305,000 | 363,000 |
| Noninterest expense | 310,000 | 634,000 | 946,000 | 1,283,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 20,000 |
| Pretax income | 101,000 | 371,000 | 533,000 | 649,000 |
| Income tax | 35,000 | 137,000 | 196,000 | 236,000 |
| Net income | 66,000 | 234,000 | 337,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,059,000 | 3,227,000 | 3,329,000 | 3,406,000 |
| Total capital | 3,328,000 | 3,519,000 | 3,629,000 | 3,682,000 |
| Risk-weighted assets | 21,482,000 | 23,356,000 | 23,944,000 | 22,055,000 |
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