Call reports 2017
VALLEY STATE BANK, THE — 2017
What VALLEY STATE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 119,761,000 | 123,172,000 | 127,227,000 | 131,908,000 |
| Total loans | 88,504,000 | 94,380,000 | 98,660,000 | 100,924,000 |
| Allowance for loan losses | 986,000 | 1,011,000 | 1,041,000 | 1,066,000 |
| Securities available for sale | 20,052,000 | 19,793,000 | 18,671,000 | 18,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,584,000 | 93,574,000 | 94,023,000 | 103,420,000 |
| Interest-bearing deposits | 74,743,000 | 75,116,000 | 75,519,000 | 82,923,000 |
| Noninterest-bearing deposits | 17,841,000 | 18,458,000 | 18,504,000 | 20,497,000 |
| Equity capital | 10,441,000 | 10,799,000 | 11,081,000 | 11,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,436,000 | 2,934,000 | 4,508,000 | 6,116,000 |
| Interest expense | 245,000 | 509,000 | 790,000 | 1,112,000 |
| Net interest income | 1,191,000 | 2,425,000 | 3,718,000 | 5,004,000 |
| Noninterest income | 102,000 | 299,000 | 513,000 | 720,000 |
| Noninterest expense | 890,000 | 1,817,000 | 2,814,000 | 3,823,000 |
| Provision for loan losses | 24,000 | 50,000 | 80,000 | 111,000 |
| Pretax income | 379,000 | 857,000 | 1,337,000 | 1,790,000 |
| Income tax | -2,000 | 18,000 | 37,000 | 51,000 |
| Net income | 381,000 | 839,000 | 1,300,000 | 1,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,277,000 | 10,521,000 | 10,839,000 | 11,254,000 |
| Total capital | 11,263,000 | 11,532,000 | 11,880,000 | 12,320,000 |
| Risk-weighted assets | 98,420,000 | 106,677,000 | 110,921,000 | 112,201,000 |
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