Call reports 2016
WEST VALLEY NATIONAL BANK — 2016
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 51,385,000 | 53,435,000 | 53,988,000 | 53,955,000 |
| Total loans | 33,372,000 | 34,320,000 | 32,436,000 | 35,435,000 |
| Allowance for loan losses | 562,000 | 564,000 | 566,000 | 576,000 |
| Securities available for sale | 248,000 | 234,000 | 220,000 | 209,000 |
| Securities held to maturity | 4,658,000 | 4,448,000 | 4,225,000 | 3,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,313,000 | 47,588,000 | 48,402,000 | 48,259,000 |
| Interest-bearing deposits | 23,939,000 | 24,142,000 | 24,805,000 | 23,645,000 |
| Noninterest-bearing deposits | 21,374,000 | 23,446,000 | 23,597,000 | 24,614,000 |
| Equity capital | 5,965,000 | 5,740,000 | 5,453,000 | 5,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 1,014,000 | 1,493,000 | 2,002,000 |
| Interest expense | 23,000 | 46,000 | 69,000 | 91,000 |
| Net interest income | 481,000 | 968,000 | 1,424,000 | 1,911,000 |
| Noninterest income | 63,000 | 122,000 | 199,000 | 301,000 |
| Noninterest expense | 749,000 | 1,520,000 | 2,336,000 | 3,199,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -205,000 | -430,000 | -713,000 | -987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -205,000 | -430,000 | -713,000 | -987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,880,000 | 5,655,000 | 5,368,000 | 5,508,000 |
| Total capital | 6,301,000 | 6,082,000 | 5,789,000 | 5,954,000 |
| Risk-weighted assets | 33,553,000 | 34,037,000 | 33,481,000 | 35,553,000 |