Call reports 2022
WEST VALLEY NATIONAL BANK — 2022
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 100,162,000 | 96,569,000 | 96,025,000 | 94,895,000 |
| Total loans | 58,518,000 | 55,561,000 | 53,880,000 | 53,913,000 |
| Allowance for loan losses | 797,000 | 760,000 | 760,000 | 760,000 |
| Securities available for sale | 554,000 | 5,351,000 | 12,970,000 | 17,281,000 |
| Securities held to maturity | 1,831,000 | 1,774,000 | 1,726,000 | 1,684,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,323,000 | 85,742,000 | 85,687,000 | 83,874,000 |
| Interest-bearing deposits | 46,220,000 | 43,043,000 | 41,354,000 | 35,675,000 |
| Noninterest-bearing deposits | 43,103,000 | 42,699,000 | 44,333,000 | 48,199,000 |
| Equity capital | 10,699,000 | 10,653,000 | 10,193,000 | 10,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,738,000 | 2,691,000 | 3,824,000 |
| Interest expense | 42,000 | 80,000 | 118,000 | 152,000 |
| Net interest income | 781,000 | 1,658,000 | 2,573,000 | 3,672,000 |
| Noninterest income | 68,000 | 139,000 | 209,000 | 291,000 |
| Noninterest expense | 961,000 | 1,900,000 | 2,716,000 | 3,809,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -112,000 | -103,000 | 66,000 | 154,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -112,000 | -104,000 | 65,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,669,000 | 10,680,000 | 10,850,000 | 10,940,000 |
| Total capital | 11,397,000 | 11,411,000 | 11,601,000 | 11,705,000 |
| Risk-weighted assets | 58,183,000 | 58,456,000 | 60,044,000 | 61,178,000 |