Call reports 2016
VALLEY STATE BANK, THE — 2016
What VALLEY STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 108,606,000 | 111,880,000 | 113,964,000 | 119,032,000 |
| Total loans | 78,450,000 | 81,907,000 | 85,556,000 | 87,730,000 |
| Allowance for loan losses | 933,000 | 951,000 | 960,000 | 971,000 |
| Securities available for sale | 19,517,000 | 19,756,000 | 19,608,000 | 18,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,037,000 | 86,375,000 | 87,697,000 | 93,040,000 |
| Interest-bearing deposits | 62,072,000 | 71,603,000 | 73,313,000 | 75,581,000 |
| Noninterest-bearing deposits | 22,965,000 | 14,772,000 | 14,384,000 | 17,459,000 |
| Equity capital | 9,672,000 | 10,036,000 | 10,289,000 | 10,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,231,000 | 2,497,000 | 3,865,000 | 5,257,000 |
| Interest expense | 221,000 | 448,000 | 684,000 | 926,000 |
| Net interest income | 1,010,000 | 2,049,000 | 3,181,000 | 4,331,000 |
| Noninterest income | 134,000 | 309,000 | 456,000 | 461,000 |
| Noninterest expense | 841,000 | 1,705,000 | 2,607,000 | 3,375,000 |
| Provision for loan losses | 15,000 | 30,000 | 46,000 | 61,000 |
| Pretax income | 288,000 | 623,000 | 984,000 | 1,356,000 |
| Income tax | 3,000 | 18,000 | 35,000 | 48,000 |
| Net income | 285,000 | 605,000 | 949,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,181,000 | 9,412,000 | 9,616,000 | 10,035,000 |
| Total capital | 10,114,000 | 10,363,000 | 10,576,000 | 11,006,000 |
| Risk-weighted assets | 89,767,000 | 91,806,000 | 95,645,000 | 97,349,000 |
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