Call reports 2015
VALLEY BANK OF GLASGOW — 2015
What VALLEY BANK OF GLASGOW reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,898,000 | 38,104,000 | 37,866,000 | 36,261,000 |
| Total loans | 23,761,000 | 25,968,000 | 26,629,000 | 26,623,000 |
| Allowance for loan losses | 147,000 | 163,000 | 185,000 | 201,000 |
| Securities available for sale | 7,522,000 | 7,494,000 | 7,088,000 | 5,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,905,000 | 30,885,000 | 30,816,000 | 32,392,000 |
| Interest-bearing deposits | 26,750,000 | 25,584,000 | 25,415,000 | 26,145,000 |
| Noninterest-bearing deposits | 6,155,000 | 5,301,000 | 5,401,000 | 6,247,000 |
| Equity capital | 3,491,000 | 3,573,000 | 3,674,000 | 3,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 920,000 | 1,418,000 | 1,904,000 |
| Interest expense | 64,000 | 135,000 | 205,000 | 276,000 |
| Net interest income | 377,000 | 785,000 | 1,213,000 | 1,628,000 |
| Noninterest income | 41,000 | 93,000 | 142,000 | 194,000 |
| Noninterest expense | 308,000 | 608,000 | 928,000 | 1,258,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 95,000 | 240,000 | 382,000 | 504,000 |
| Income tax | 33,000 | 84,000 | 138,000 | 184,000 |
| Net income | 62,000 | 156,000 | 244,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,468,000 | 3,562,000 | 3,650,000 | 3,577,000 |
| Total capital | 3,615,000 | 3,725,000 | 3,835,000 | 3,778,000 |
| Risk-weighted assets | 24,466,000 | 23,408,000 | 23,680,000 | 24,141,000 |