Call reports 2021
VALLEY STATE BANK, THE — 2021
What VALLEY STATE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 190,360,000 | 184,339,000 | 184,945,000 | 194,982,000 |
| Total loans | 123,659,000 | 132,659,000 | 131,735,000 | 135,814,000 |
| Allowance for loan losses | 1,770,000 | 1,805,000 | 1,835,000 | 1,884,000 |
| Securities available for sale | 16,800,000 | 20,718,000 | 19,986,000 | 21,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,112,000 | 153,713,000 | 152,249,000 | 162,110,000 |
| Interest-bearing deposits | 123,161,000 | 119,999,000 | 115,156,000 | 123,403,000 |
| Noninterest-bearing deposits | 36,951,000 | 33,714,000 | 37,093,000 | 38,707,000 |
| Equity capital | 17,341,000 | 17,629,000 | 18,221,000 | 18,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,900,000 | 3,785,000 | 6,102,000 | 8,216,000 |
| Interest expense | 343,000 | 645,000 | 925,000 | 1,181,000 |
| Net interest income | 1,557,000 | 3,140,000 | 5,177,000 | 7,035,000 |
| Noninterest income | 380,000 | 817,000 | 1,264,000 | 1,685,000 |
| Noninterest expense | 1,330,000 | 2,574,000 | 3,938,000 | 5,321,000 |
| Provision for loan losses | 46,000 | 76,000 | 106,000 | 152,000 |
| Pretax income | 525,000 | 1,311,000 | 2,409,000 | 3,217,000 |
| Income tax | 15,000 | 49,000 | 100,000 | 138,000 |
| Net income | 510,000 | 1,262,000 | 2,309,000 | 3,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,937,000 | 17,234,000 | 17,837,000 | 18,606,000 |
| Total capital | 18,707,000 | 19,039,000 | 19,672,000 | 20,490,000 |
| Risk-weighted assets | 145,555,000 | 151,763,000 | 155,908,000 | 161,309,000 |
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