Call reports 2019
WEST VALLEY NATIONAL BANK — 2019
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 72,952,000 | 70,197,000 | 76,653,000 | 81,108,000 |
| Total loans | 38,489,000 | 42,031,000 | 47,680,000 | 48,067,000 |
| Allowance for loan losses | 592,000 | 622,000 | 632,000 | 623,000 |
| Securities available for sale | 130,000 | 125,000 | 122,000 | 113,000 |
| Securities held to maturity | 2,773,000 | 2,662,000 | 2,541,000 | 2,424,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,182,000 | 62,593,000 | 69,281,000 | 73,489,000 |
| Interest-bearing deposits | 22,368,000 | 18,992,000 | 17,237,000 | 20,628,000 |
| Noninterest-bearing deposits | 42,814,000 | 43,601,000 | 52,044,000 | 52,861,000 |
| Equity capital | 7,594,000 | 7,381,000 | 7,284,000 | 7,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 753,000 | 1,584,000 | 2,387,000 | 3,327,000 |
| Interest expense | 52,000 | 106,000 | 162,000 | 216,000 |
| Net interest income | 701,000 | 1,478,000 | 2,225,000 | 3,111,000 |
| Noninterest income | 264,000 | 583,000 | 948,000 | 1,361,000 |
| Noninterest expense | 1,185,000 | 2,463,000 | 3,665,000 | 4,901,000 |
| Provision for loan losses | 0 | 30,000 | 39,000 | 39,000 |
| Pretax income | -220,000 | -432,000 | -531,000 | -468,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | -220,000 | -434,000 | -533,000 | -470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,532,000 | 7,320,000 | 7,224,000 | 7,286,000 |
| Total capital | 8,035,000 | 7,888,000 | 7,864,000 | 7,930,000 |
| Risk-weighted assets | 40,146,000 | 45,425,000 | 51,181,000 | 53,197,000 |