Call reports 2020
VALLEY STATE BANK, THE — 2020
What VALLEY STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 166,483,000 | 180,436,000 | 181,476,000 | 188,272,000 |
| Total loans | 112,788,000 | 118,829,000 | 122,672,000 | 123,625,000 |
| Allowance for loan losses | 1,551,000 | 1,602,000 | 1,659,000 | 1,709,000 |
| Securities available for sale | 15,785,000 | 15,363,000 | 16,237,000 | 17,656,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,924,000 | 150,457,000 | 150,530,000 | 157,172,000 |
| Interest-bearing deposits | 109,562,000 | 120,614,000 | 116,239,000 | 124,682,000 |
| Noninterest-bearing deposits | 26,362,000 | 29,844,000 | 34,291,000 | 32,490,000 |
| Equity capital | 15,424,000 | 16,155,000 | 16,630,000 | 17,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 3,921,000 | 5,852,000 | 7,777,000 |
| Interest expense | 498,000 | 951,000 | 1,379,000 | 1,774,000 |
| Net interest income | 1,467,000 | 2,970,000 | 4,473,000 | 6,003,000 |
| Noninterest income | 242,000 | 777,000 | 1,406,000 | 1,975,000 |
| Noninterest expense | 1,117,000 | 2,315,000 | 3,621,000 | 4,967,000 |
| Provision for loan losses | 55,000 | 109,000 | 165,000 | 283,000 |
| Pretax income | 488,000 | 1,455,000 | 2,281,000 | 2,973,000 |
| Income tax | 20,000 | 56,000 | 92,000 | 122,000 |
| Net income | 468,000 | 1,399,000 | 2,189,000 | 2,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,090,000 | 15,605,000 | 16,080,000 | 16,741,000 |
| Total capital | 16,640,000 | 17,207,000 | — | — |
| Risk-weighted assets | 142,434,000 | 144,811,000 | — | — |
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