Call reports 2012
WEST VALLEY NATIONAL BANK — 2012
What WEST VALLEY NATIONAL 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 | 42,703,000 | 41,226,000 | 42,579,000 | 42,602,000 |
| Total loans | 28,529,000 | 29,303,000 | 28,965,000 | 30,018,000 |
| Allowance for loan losses | 713,000 | 713,000 | 713,000 | 713,000 |
| Securities available for sale | 1,651,000 | 1,544,000 | 1,464,000 | 1,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,208,000 | 28,926,000 | 30,421,000 | 30,740,000 |
| Interest-bearing deposits | 19,492,000 | 19,135,000 | 17,967,000 | 18,050,000 |
| Noninterest-bearing deposits | 10,716,000 | 9,791,000 | 12,454,000 | 12,690,000 |
| Equity capital | 10,295,000 | 10,054,000 | 9,889,000 | 9,599,000 |
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 | 493,000 | 1,004,000 | 1,496,000 | 1,982,000 |
| Interest expense | 51,000 | 100,000 | 152,000 | 199,000 |
| Net interest income | 442,000 | 904,000 | 1,344,000 | 1,783,000 |
| Noninterest income | 35,000 | 93,000 | 133,000 | 172,000 |
| Noninterest expense | 629,000 | 1,382,000 | 2,045,000 | 2,813,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -152,000 | -385,000 | -568,000 | -858,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -152,000 | -385,000 | -568,000 | -858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,208,000 | 9,982,000 | 9,806,000 | 9,523,000 |
| Total capital | 10,615,000 | 10,392,000 | 10,216,000 | 9,931,000 |
| Risk-weighted assets | 32,250,000 | 32,435,000 | 32,474,000 | 32,335,000 |