Call reports 2018
WEST VALLEY NATIONAL BANK — 2018
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 51,802,000 | 60,452,000 | 58,123,000 | 57,941,000 |
| Total loans | 39,310,000 | 41,513,000 | 40,077,000 | 38,285,000 |
| Allowance for loan losses | 576,000 | 576,000 | 576,000 | 592,000 |
| Securities available for sale | 162,000 | 153,000 | 145,000 | 137,000 |
| Securities held to maturity | 3,225,000 | 3,092,000 | 2,972,000 | 2,867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,979,000 | 55,070,000 | 52,841,000 | 49,894,000 |
| Interest-bearing deposits | 21,620,000 | 23,262,000 | 22,569,000 | 20,746,000 |
| Noninterest-bearing deposits | 25,359,000 | 31,808,000 | 30,272,000 | 29,148,000 |
| Equity capital | 4,669,000 | 5,262,000 | 5,115,000 | 7,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 605,000 | 1,262,000 | 1,882,000 | 2,600,000 |
| Interest expense | 31,000 | 66,000 | 121,000 | 177,000 |
| Net interest income | 574,000 | 1,196,000 | 1,761,000 | 2,423,000 |
| Noninterest income | 86,000 | 183,000 | 378,000 | 587,000 |
| Noninterest expense | 890,000 | 1,814,000 | 2,719,000 | 3,972,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | -230,000 | -435,000 | -580,000 | -978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -230,000 | -435,000 | -580,000 | -978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,591,000 | 5,189,000 | 5,045,000 | 7,750,000 |
| Total capital | 5,078,000 | 5,740,000 | 5,542,000 | 8,236,000 |
| Risk-weighted assets | 38,893,000 | 44,049,000 | 39,721,000 | 38,822,000 |