Call reports 2013
VALLEY STATE BANK, THE — 2013
What VALLEY STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,328,000 | 88,608,000 | 87,993,000 | 93,162,000 |
| Total loans | 48,311,000 | 52,290,000 | 54,828,000 | 58,198,000 |
| Allowance for loan losses | 1,002,000 | 1,027,000 | 1,033,000 | 954,000 |
| Securities available for sale | 26,726,000 | 28,720,000 | 27,646,000 | 26,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,469,000 | 72,332,000 | 67,747,000 | 75,553,000 |
| Interest-bearing deposits | 58,155,000 | 58,449,000 | 56,500,000 | 60,325,000 |
| Noninterest-bearing deposits | 11,314,000 | 13,883,000 | 11,247,000 | 15,228,000 |
| Equity capital | 7,683,000 | 7,200,000 | 7,448,000 | 7,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 870,000 | 1,706,000 | 2,651,000 | 3,671,000 |
| Interest expense | 149,000 | 289,000 | 432,000 | 584,000 |
| Net interest income | 721,000 | 1,417,000 | 2,219,000 | 3,087,000 |
| Noninterest income | 67,000 | 182,000 | 273,000 | 364,000 |
| Noninterest expense | 624,000 | 1,200,000 | 1,813,000 | 2,505,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 149,000 | 369,000 | 639,000 | 906,000 |
| Income tax | 5,000 | 16,000 | 28,000 | 40,000 |
| Net income | 144,000 | 353,000 | 611,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,143,000 | 7,165,000 | 7,263,000 | 7,474,000 |
| Total capital | 7,853,000 | 7,934,000 | 8,096,000 | 8,331,000 |
| Risk-weighted assets | 56,439,000 | 61,228,000 | 66,385,000 | 68,566,000 |
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