Call reports 2020
WEST VALLEY NATIONAL BANK — 2020
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 90,124,000 | 132,191,000 | 152,285,000 | 124,557,000 |
| Total loans | 45,971,000 | 78,137,000 | 81,929,000 | 81,040,000 |
| Allowance for loan losses | 624,000 | 624,000 | 716,000 | 782,000 |
| Securities available for sale | 108,000 | 103,000 | 94,000 | 86,000 |
| Securities held to maturity | 2,318,000 | 2,202,000 | 2,468,000 | 2,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,540,000 | 109,121,000 | 128,984,000 | 115,285,000 |
| Interest-bearing deposits | 23,693,000 | 28,920,000 | 31,013,000 | 38,708,000 |
| Noninterest-bearing deposits | 58,847,000 | 80,201,000 | 97,971,000 | 76,577,000 |
| Equity capital | 7,414,000 | 8,171,000 | 8,460,000 | 8,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 2,530,000 | 3,490,000 | 4,387,000 |
| Interest expense | 54,000 | 92,000 | 129,000 | 191,000 |
| Net interest income | 775,000 | 2,438,000 | 3,361,000 | 4,196,000 |
| Noninterest income | 476,000 | 955,000 | 1,447,000 | 2,046,000 |
| Noninterest expense | 1,181,000 | 2,566,000 | 3,600,000 | 4,627,000 |
| Provision for loan losses | 0 | 0 | 92,000 | 158,000 |
| Pretax income | 70,000 | 827,000 | 1,116,000 | 1,457,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 70,000 | 827,000 | 1,116,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,360,000 | 8,119,000 | 8,411,000 | 8,754,000 |
| Total capital | 8,005,000 | 8,764,000 | 9,116,000 | 9,467,000 |
| Risk-weighted assets | 56,375,000 | 54,567,000 | 56,347,000 | 56,936,000 |