Call reports 2023
WEST VALLEY NATIONAL BANK — 2023
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 81,998,000 | 80,552,000 | 74,310,000 | 74,818,000 |
| Total loans | 60,186,000 | 59,816,000 | 58,990,000 | 58,318,000 |
| Allowance for loan losses | 775,000 | 775,000 | 775,000 | 775,000 |
| Securities available for sale | 13,010,000 | 11,940,000 | 11,017,000 | 10,664,000 |
| Securities held to maturity | 1,647,000 | 1,611,000 | 1,174,000 | 1,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,849,000 | 68,734,000 | 62,737,000 | 63,698,000 |
| Interest-bearing deposits | 29,247,000 | 30,969,000 | 26,696,000 | 29,557,000 |
| Noninterest-bearing deposits | 41,602,000 | 37,765,000 | 36,041,000 | 34,141,000 |
| Equity capital | 10,748,000 | 10,536,000 | 10,508,000 | 10,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,085,000 | 2,137,000 | 3,271,000 | 4,298,000 |
| Interest expense | 40,000 | 127,000 | 234,000 | 371,000 |
| Net interest income | 1,045,000 | 2,010,000 | 3,037,000 | 3,927,000 |
| Noninterest income | 92,000 | 171,000 | 242,000 | 322,000 |
| Noninterest expense | 1,004,000 | 2,023,000 | 3,017,000 | 4,386,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 118,000 | 143,000 | 247,000 | -152,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 118,000 | 142,000 | 246,000 | -153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,060,000 | 11,086,000 | 11,192,000 | 10,795,000 |
| Total capital | 11,761,000 | 11,871,000 | 11,957,000 | 11,565,000 |
| Risk-weighted assets | 56,011,000 | 62,841,000 | 61,156,000 | 61,455,000 |