Call reports 2015
VALLEY REPUBLIC BANK — 2015
What VALLEY REPUBLIC BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 462,221,000 | 469,314,000 | 483,310,000 | 490,502,000 |
| Total loans | 255,674,000 | 277,070,000 | 291,892,000 | 320,951,000 |
| Allowance for loan losses | 3,771,000 | 4,048,000 | 4,359,000 | 4,696,000 |
| Securities available for sale | 71,990,000 | 64,997,000 | 58,967,000 | 55,384,000 |
| Securities held to maturity | 56,733,000 | 66,683,000 | 64,633,000 | 57,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,248,000 | 422,656,000 | 430,822,000 | 435,487,000 |
| Interest-bearing deposits | 255,621,000 | 247,452,000 | 257,690,000 | 270,183,000 |
| Noninterest-bearing deposits | 160,627,000 | 175,204,000 | 173,132,000 | 165,304,000 |
| Equity capital | 42,981,000 | 43,466,000 | 44,643,000 | 45,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,294,000 | 6,826,000 | 10,549,000 | 14,386,000 |
| Interest expense | 197,000 | 418,000 | 632,000 | 858,000 |
| Net interest income | 3,097,000 | 6,408,000 | 9,917,000 | 13,528,000 |
| Noninterest income | 365,000 | 751,000 | 1,154,000 | 1,529,000 |
| Noninterest expense | 2,106,000 | 4,317,000 | 6,474,000 | 8,736,000 |
| Provision for loan losses | 171,000 | 448,000 | 759,000 | 1,096,000 |
| Pretax income | 1,185,000 | 2,394,000 | 3,912,000 | 5,299,000 |
| Income tax | 396,000 | 790,000 | 1,355,000 | 1,759,000 |
| Net income | 789,000 | 1,604,000 | 2,557,000 | 3,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,050,000 | 43,921,000 | 44,929,000 | 46,003,000 |
| Total capital | 46,821,000 | 47,984,000 | 49,303,000 | 50,714,000 |
| Risk-weighted assets | 334,016,000 | 354,956,000 | 374,809,000 | 406,728,000 |