Call reports 2012
VALLEY BANK — 2012
What VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 117,713,000 | 111,489,000 | 102,322,000 | 98,647,000 |
| Total loans | 69,590,000 | 72,778,000 | 69,152,000 | 67,513,000 |
| Allowance for loan losses | 248,000 | 250,000 | 283,000 | 3,754,000 |
| Securities available for sale | 26,609,000 | 23,916,000 | 20,850,000 | 19,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,074,000 | 91,002,000 | 81,895,000 | 83,280,000 |
| Interest-bearing deposits | 88,857,000 | 81,143,000 | 75,182,000 | 77,491,000 |
| Noninterest-bearing deposits | 7,217,000 | 9,859,000 | 6,713,000 | 5,789,000 |
| Equity capital | 7,314,000 | 6,170,000 | 6,101,000 | 646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,342,000 | 2,385,000 | 3,373,000 | 4,258,000 |
| Interest expense | 322,000 | 622,000 | 908,000 | 1,172,000 |
| Net interest income | 1,020,000 | 1,763,000 | 2,465,000 | 3,086,000 |
| Noninterest income | 53,000 | 133,000 | -55,000 | -184,000 |
| Noninterest expense | 949,000 | 1,811,000 | 2,664,000 | 3,513,000 |
| Provision for loan losses | 29,000 | 29,000 | 186,000 | 3,505,000 |
| Pretax income | 188,000 | 189,000 | -307,000 | -3,983,000 |
| Income tax | -1,139,000 | -85,000 | -411,000 | 906,000 |
| Net income | 1,327,000 | 274,000 | 104,000 | -4,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,038,000 | 5,928,000 | 5,865,000 | 647,000 |
| Total capital | 7,286,000 | 6,178,000 | 6,148,000 | 1,294,000 |
| Risk-weighted assets | 78,609,000 | 78,741,000 | 74,938,000 | 70,681,000 |