Call reports 2022
VALLEY STATE BANK, THE — 2022
What VALLEY STATE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 200,454,000 | 206,809,000 | 206,145,000 | 219,555,000 |
| Total loans | 138,463,000 | 153,428,000 | 157,487,000 | 166,703,000 |
| Allowance for loan losses | 1,885,000 | 1,885,000 | 1,878,000 | 1,851,000 |
| Securities available for sale | 19,201,000 | 20,793,000 | 17,760,000 | 18,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,703,000 | 168,968,000 | 167,894,000 | 177,840,000 |
| Interest-bearing deposits | 124,065,000 | 124,097,000 | 122,020,000 | 131,505,000 |
| Noninterest-bearing deposits | 44,638,000 | 44,871,000 | 45,874,000 | 46,335,000 |
| Equity capital | 18,317,000 | 18,122,000 | 17,995,000 | 19,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,052,000 | 4,365,000 | 6,898,000 | 9,658,000 |
| Interest expense | 245,000 | 501,000 | 854,000 | 1,359,000 |
| Net interest income | 1,807,000 | 3,864,000 | 6,044,000 | 8,299,000 |
| Noninterest income | 352,000 | 803,000 | 1,187,000 | 1,505,000 |
| Noninterest expense | 1,376,000 | 2,728,000 | 4,183,000 | 5,725,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 32,000 |
| Pretax income | 356,000 | 1,245,000 | 2,082,000 | 3,147,000 |
| Income tax | 35,000 | 87,000 | 104,000 | 149,000 |
| Net income | 321,000 | 1,158,000 | 1,978,000 | 2,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,564,000 | 18,964,000 | 19,363,000 | 20,382,000 |
| Total capital | 20,449,000 | 20,849,000 | 21,241,000 | 22,233,000 |
| Risk-weighted assets | 168,580,000 | 184,282,000 | 193,359,000 | 202,859,000 |
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