Call reports 2018
VALLEY STATE BANK, THE — 2018
What VALLEY STATE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 134,644,000 | 138,675,000 | 137,404,000 | 141,181,000 |
| Total loans | 104,107,000 | 105,811,000 | 108,961,000 | 108,279,000 |
| Allowance for loan losses | 1,095,000 | 1,135,000 | 1,260,000 | 1,278,000 |
| Securities available for sale | 17,995,000 | 12,968,000 | 13,658,000 | 13,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,499,000 | 108,242,000 | 102,014,000 | 110,067,000 |
| Interest-bearing deposits | 84,033,000 | 84,474,000 | 81,017,000 | 89,402,000 |
| Noninterest-bearing deposits | 21,466,000 | 23,768,000 | 20,997,000 | 20,665,000 |
| Equity capital | 11,478,000 | 12,460,000 | 12,515,000 | 13,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,662,000 | 3,396,000 | 5,196,000 | 7,028,000 |
| Interest expense | 339,000 | 698,000 | 1,083,000 | 1,501,000 |
| Net interest income | 1,323,000 | 2,698,000 | 4,113,000 | 5,527,000 |
| Noninterest income | 150,000 | 423,000 | 630,000 | 810,000 |
| Noninterest expense | 1,012,000 | 1,986,000 | 3,034,000 | 4,047,000 |
| Provision for loan losses | 30,000 | 66,000 | 199,000 | 250,000 |
| Pretax income | 431,000 | 1,059,000 | 1,942,000 | 2,472,000 |
| Income tax | 14,000 | 42,000 | 62,000 | 86,000 |
| Net income | 417,000 | 1,017,000 | 1,880,000 | 2,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,583,000 | 12,611,000 | 12,817,000 | 13,323,000 |
| Total capital | 12,678,000 | 13,746,000 | 14,077,000 | 14,601,000 |
| Risk-weighted assets | 115,610,000 | 121,908,000 | 124,002,000 | 124,155,000 |
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