Call reports 2023
VALLEY STATE BANK, THE — 2023
What VALLEY STATE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 231,005,000 | 245,092,000 | 264,357,000 | 284,313,000 |
| Total loans | 170,853,000 | 182,386,000 | 192,359,000 | 206,788,000 |
| Allowance for loan losses | 1,896,000 | 1,888,000 | 1,889,000 | 1,883,000 |
| Securities available for sale | 22,960,000 | 22,044,000 | 20,198,000 | 22,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,917,000 | 201,640,000 | 218,229,000 | 243,799,000 |
| Interest-bearing deposits | 140,897,000 | 160,559,000 | 175,238,000 | 201,603,000 |
| Noninterest-bearing deposits | 47,020,000 | 41,081,000 | 42,991,000 | 42,196,000 |
| Equity capital | 19,969,000 | 19,789,000 | 20,169,000 | 21,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,048,000 | 6,493,000 | 10,398,000 | 14,895,000 |
| Interest expense | 770,000 | 1,920,000 | 3,459,000 | 5,350,000 |
| Net interest income | 2,278,000 | 4,573,000 | 6,939,000 | 9,545,000 |
| Noninterest income | 305,000 | 665,000 | 968,000 | 1,312,000 |
| Noninterest expense | 1,612,000 | 3,431,000 | 5,170,000 | 7,095,000 |
| Provision for loan losses | 30,000 | 30,000 | 31,000 | 31,000 |
| Pretax income | 1,057,000 | 1,732,000 | 2,535,000 | 3,654,000 |
| Income tax | 25,000 | 49,000 | 84,000 | 137,000 |
| Net income | 1,032,000 | 1,683,000 | 2,451,000 | 3,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,998,000 | 20,980,000 | 21,748,000 | 22,814,000 |
| Total capital | 22,973,000 | 22,960,000 | 23,738,000 | 24,799,000 |
| Risk-weighted assets | 206,450,000 | 220,882,000 | 231,671,000 | 246,595,000 |
Machine access — free, no API key
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