Call reports 2014
WEST VALLEY NATIONAL BANK — 2014
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 41,496,000 | 41,381,000 | 40,954,000 | 40,280,000 |
| Total loans | 29,419,000 | 29,769,000 | 30,739,000 | 31,418,000 |
| Allowance for loan losses | 578,000 | 531,000 | 538,000 | 547,000 |
| Securities available for sale | 919,000 | 891,000 | 860,000 | 837,000 |
| Securities held to maturity | 1,904,000 | 1,849,000 | 1,798,000 | 1,737,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,193,000 | 33,292,000 | 33,070,000 | 32,749,000 |
| Interest-bearing deposits | 20,320,000 | 18,784,000 | 21,103,000 | 19,923,000 |
| Noninterest-bearing deposits | 12,873,000 | 14,508,000 | 11,967,000 | 12,826,000 |
| Equity capital | 8,157,000 | 7,907,000 | 7,665,000 | 7,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 968,000 | 1,438,000 | 1,903,000 |
| Interest expense | 27,000 | 55,000 | 80,000 | 106,000 |
| Net interest income | 478,000 | 913,000 | 1,358,000 | 1,797,000 |
| Noninterest income | 26,000 | 49,000 | 75,000 | 100,000 |
| Noninterest expense | 724,000 | 1,436,000 | 2,147,000 | 2,956,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -220,000 | -474,000 | -714,000 | -1,059,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -220,000 | -474,000 | -714,000 | -1,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,116,000 | 7,865,000 | 7,623,000 | 7,277,000 |
| Total capital | 8,519,000 | 8,321,000 | 8,024,000 | 7,684,000 |
| Risk-weighted assets | 32,057,000 | 36,352,000 | 31,932,000 | 32,404,000 |