Call reports 2024
WEST VALLEY NATIONAL BANK — 2024
What WEST VALLEY NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 70,827,000 | 69,302,000 | 67,640,000 | 68,609,000 |
| Total loans | 56,368,000 | 56,239,000 | 54,596,000 | 57,555,000 |
| Allowance for loan losses | 775,000 | 775,000 | 775,000 | 775,000 |
| Securities available for sale | 9,952,000 | 8,851,000 | 8,448,000 | 7,540,000 |
| Securities held to maturity | 1,111,000 | 1,078,000 | 1,043,000 | 1,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,627,000 | 55,594,000 | 51,901,000 | 55,990,000 |
| Interest-bearing deposits | 24,899,000 | 25,388,000 | 23,709,000 | 26,172,000 |
| Noninterest-bearing deposits | 34,728,000 | 30,206,000 | 28,192,000 | 29,818,000 |
| Equity capital | 10,075,000 | 9,849,000 | 9,816,000 | 9,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 916,000 | 1,811,000 | 2,739,000 | 3,653,000 |
| Interest expense | 157,000 | 325,000 | 518,000 | 690,000 |
| Net interest income | 759,000 | 1,486,000 | 2,221,000 | 2,963,000 |
| Noninterest income | 57,000 | 122,000 | 175,000 | 232,000 |
| Noninterest expense | 1,125,000 | 2,175,000 | 3,233,000 | 4,670,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -309,000 | -567,000 | -837,000 | -1,478,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | -309,000 | -569,000 | -839,000 | -1,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,487,000 | 10,231,000 | 9,962,000 | 9,324,000 |
| Total capital | 11,227,000 | 10,967,000 | 10,668,000 | 10,062,000 |
| Risk-weighted assets | 59,115,000 | 58,801,000 | 56,323,000 | 58,966,000 |