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 | 96,522,000 | 97,172,000 | 100,073,000 | 107,223,000 |
| Total loans | 60,735,000 | 64,902,000 | 67,796,000 | 69,016,000 |
| Allowance for loan losses | 953,000 | 961,000 | 918,000 | 878,000 |
| Securities available for sale | 25,998,000 | 25,411,000 | 25,429,000 | 21,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,021,000 | 76,760,000 | 79,738,000 | 86,764,000 |
| Interest-bearing deposits | 63,743,000 | 64,739,000 | 68,116,000 | 71,302,000 |
| Noninterest-bearing deposits | 14,278,000 | 12,021,000 | 11,622,000 | 15,462,000 |
| Equity capital | 7,845,000 | 8,176,000 | 8,378,000 | 8,566,000 |
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 | 1,005,000 | 2,048,000 | 3,109,000 | 4,200,000 |
| Interest expense | 151,000 | 322,000 | 498,000 | 691,000 |
| Net interest income | 854,000 | 1,726,000 | 2,611,000 | 3,509,000 |
| Noninterest income | 107,000 | 263,000 | 477,000 | 618,000 |
| Noninterest expense | 709,000 | 1,417,000 | 2,171,000 | 2,949,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 181,000 |
| Pretax income | 252,000 | 567,000 | 897,000 | 964,000 |
| Income tax | 2,000 | 17,000 | 32,000 | 37,000 |
| Net income | 250,000 | 550,000 | 865,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,704,000 | 7,903,000 | 8,141,000 | 8,252,000 |
| Total capital | 8,596,000 | 8,839,000 | 9,059,000 | 9,130,000 |
| Risk-weighted assets | 71,339,000 | 74,816,000 | 76,900,000 | 79,055,000 |
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