Call reports 2015
WEST VALLEY NATIONAL BANK — 2015
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 51,781,000 | 48,873,000 | 51,393,000 | 48,662,000 |
| Total loans | 32,144,000 | 31,435,000 | 32,033,000 | 33,247,000 |
| Allowance for loan losses | 552,000 | 554,000 | 556,000 | 558,000 |
| Securities available for sale | 817,000 | 794,000 | 778,000 | 261,000 |
| Securities held to maturity | 1,686,000 | 3,609,000 | 4,466,000 | 4,293,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,587,000 | 41,906,000 | 44,749,000 | 42,324,000 |
| Interest-bearing deposits | 25,640,000 | 23,005,000 | 23,303,000 | 22,512,000 |
| Noninterest-bearing deposits | 18,947,000 | 18,901,000 | 21,446,000 | 19,812,000 |
| Equity capital | 7,043,000 | 6,780,000 | 6,505,000 | 6,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 466,000 | 945,000 | 1,416,000 | 1,902,000 |
| Interest expense | 25,000 | 52,000 | 75,000 | 100,000 |
| Net interest income | 441,000 | 893,000 | 1,341,000 | 1,802,000 |
| Noninterest income | 30,000 | 83,000 | 136,000 | 193,000 |
| Noninterest expense | 742,000 | 1,505,000 | 2,278,000 | 3,129,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -271,000 | -529,000 | -801,000 | -1,134,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -271,000 | -529,000 | -801,000 | -1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,969,000 | 6,738,000 | 6,505,000 | 6,170,000 |
| Total capital | 6,969,000 | 7,145,000 | 6,925,000 | 6,591,000 |
| Risk-weighted assets | 32,336,000 | 32,379,000 | 33,429,000 | 33,566,000 |