Call reports 2013
VALLEY BANK — 2013
What VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 102,639,000 | 94,351,000 | 85,865,000 | 85,636,000 |
| Total loans | 69,404,000 | 63,648,000 | 57,839,000 | 52,436,000 |
| Allowance for loan losses | 3,733,000 | 4,314,000 | 4,183,000 | 3,595,000 |
| Securities available for sale | 22,424,000 | 27,686,000 | 24,696,000 | 23,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,466,000 | 77,434,000 | 68,641,000 | 69,318,000 |
| Interest-bearing deposits | 77,643,000 | 71,404,000 | 61,206,000 | 62,214,000 |
| Noninterest-bearing deposits | 6,823,000 | 6,030,000 | 7,435,000 | 7,104,000 |
| Equity capital | 3,381,000 | 2,197,000 | 2,045,000 | 1,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,653,000 | 2,389,000 | 3,067,000 |
| Interest expense | 255,000 | 501,000 | 728,000 | 940,000 |
| Net interest income | 631,000 | 1,152,000 | 1,661,000 | 2,127,000 |
| Noninterest income | 1,095,000 | 1,307,000 | 1,403,000 | 1,466,000 |
| Noninterest expense | 757,000 | 1,659,000 | 2,367,000 | 3,035,000 |
| Provision for loan losses | 0 | 770,000 | 911,000 | 1,528,000 |
| Pretax income | 969,000 | 30,000 | -214,000 | -970,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 969,000 | 30,000 | -214,000 | -970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,631,000 | 2,457,000 | 2,227,000 | 1,485,000 |
| Total capital | 3,532,000 | 3,310,000 | 3,010,000 | 2,218,000 |
| Risk-weighted assets | 69,286,000 | 64,809,000 | 59,245,000 | 55,813,000 |