Call reports 2019
VALLEY STATE BANK, THE — 2019
What VALLEY STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 153,972,000 | 149,523,000 | 152,626,000 | 160,383,000 |
| Total loans | 108,765,000 | 113,881,000 | 118,573,000 | 119,835,000 |
| Allowance for loan losses | 1,333,000 | 1,386,000 | 1,411,000 | 1,496,000 |
| Securities available for sale | 13,392,000 | 14,680,000 | 14,122,000 | 15,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,149,000 | 118,453,000 | 122,688,000 | 130,267,000 |
| Interest-bearing deposits | 95,616,000 | 98,790,000 | 98,904,000 | 106,757,000 |
| Noninterest-bearing deposits | 27,533,000 | 19,663,000 | 23,784,000 | 23,510,000 |
| Equity capital | 13,670,000 | 13,950,000 | 14,484,000 | 15,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,849,000 | 3,797,000 | 5,825,000 | 7,860,000 |
| Interest expense | 458,000 | 968,000 | 1,494,000 | 2,010,000 |
| Net interest income | 1,391,000 | 2,829,000 | 4,331,000 | 5,850,000 |
| Noninterest income | 155,000 | 400,000 | 695,000 | 934,000 |
| Noninterest expense | 1,084,000 | 2,184,000 | 3,274,000 | 4,340,000 |
| Provision for loan losses | 54,000 | 108,000 | 163,000 | 217,000 |
| Pretax income | 489,000 | 1,051,000 | 1,717,000 | 2,387,000 |
| Income tax | 16,000 | 50,000 | 69,000 | 97,000 |
| Net income | 473,000 | 1,001,000 | 1,648,000 | 2,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,593,000 | 13,743,000 | 14,201,000 | 14,843,000 |
| Total capital | 14,926,000 | 15,128,000 | 15,612,000 | 16,339,000 |
| Risk-weighted assets | 126,205,000 | 131,461,000 | 135,243,000 | 142,225,000 |
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