Call reports 2013
WEST VALLEY NATIONAL BANK — 2013
What WEST VALLEY NATIONAL 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 | 42,941,000 | 41,896,000 | 42,741,000 | 41,186,000 |
| Total loans | 29,971,000 | 27,201,000 | 26,805,000 | 28,924,000 |
| Allowance for loan losses | 713,000 | 700,000 | 605,000 | 574,000 |
| Securities available for sale | 1,339,000 | 1,276,000 | 973,000 | 946,000 |
| Securities held to maturity | 0 | 512,000 | 1,717,000 | 1,951,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,461,000 | 31,685,000 | 32,867,000 | 32,594,000 |
| Interest-bearing deposits | 20,135,000 | 20,298,000 | 21,682,000 | 19,435,000 |
| Noninterest-bearing deposits | 11,326,000 | 11,387,000 | 11,185,000 | 13,159,000 |
| Equity capital | 9,334,000 | 9,024,000 | 8,702,000 | 8,384,000 |
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 | 465,000 | 928,000 | 1,371,000 | 1,822,000 |
| Interest expense | 44,000 | 84,000 | 125,000 | 155,000 |
| Net interest income | 421,000 | 844,000 | 1,246,000 | 1,667,000 |
| Noninterest income | 27,000 | 56,000 | 78,000 | 106,000 |
| Noninterest expense | 708,000 | 1,404,000 | 2,117,000 | 2,887,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 75,000 |
| Pretax income | -260,000 | -554,000 | -868,000 | -1,189,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -260,000 | -554,000 | -868,000 | -1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,265,000 | 8,971,000 | 8,657,000 | 8,336,000 |
| Total capital | 9,677,000 | 9,353,000 | 9,050,000 | 8,741,000 |
| Risk-weighted assets | 32,598,000 | 30,201,000 | 31,194,000 | 32,176,000 |