Call reports 2015
VALLEY STATE BANK, THE — 2015
What VALLEY STATE BANK, THE 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 | 104,039,000 | 105,627,000 | 105,676,000 | 106,089,000 |
| Total loans | 68,150,000 | 75,945,000 | 76,091,000 | 77,246,000 |
| Allowance for loan losses | 901,000 | 929,000 | 915,000 | 934,000 |
| Securities available for sale | 21,344,000 | 21,507,000 | 20,634,000 | 19,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,679,000 | 80,768,000 | 80,070,000 | 83,568,000 |
| Interest-bearing deposits | 69,985,000 | 69,096,000 | 67,895,000 | 69,099,000 |
| Noninterest-bearing deposits | 13,694,000 | 11,672,000 | 12,175,000 | 14,469,000 |
| Equity capital | 8,890,000 | 8,948,000 | 9,200,000 | 9,258,000 |
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 | 1,071,000 | 2,225,000 | 3,425,000 | 4,630,000 |
| Interest expense | 191,000 | 383,000 | 589,000 | 806,000 |
| Net interest income | 880,000 | 1,842,000 | 2,836,000 | 3,824,000 |
| Noninterest income | 175,000 | 345,000 | 321,000 | 420,000 |
| Noninterest expense | 786,000 | 1,603,000 | 2,444,000 | 3,336,000 |
| Provision for loan losses | 25,000 | 46,000 | 56,000 | 76,000 |
| Pretax income | 244,000 | 538,000 | 657,000 | 832,000 |
| Income tax | -3,000 | 10,000 | 15,000 | 24,000 |
| Net income | 247,000 | 528,000 | 642,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,450,000 | 8,669,000 | 8,792,000 | 8,861,000 |
| Total capital | 9,351,000 | 9,598,000 | 9,707,000 | 9,795,000 |
| Risk-weighted assets | 79,829,000 | 86,873,000 | 86,141,000 | 87,718,000 |
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