Call reports 2012
VALLEY BANK & TRUST — 2012
What VALLEY BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 247,094,000 | 253,403,000 | 265,091,000 | 262,533,000 |
| Total loans | 125,003,000 | 121,280,000 | 119,756,000 | 116,284,000 |
| Allowance for loan losses | 2,840,000 | 2,770,000 | 2,771,000 | 2,564,000 |
| Securities available for sale | 85,971,000 | 88,391,000 | 99,967,000 | 105,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,796,000 | 228,840,000 | 238,902,000 | 236,651,000 |
| Interest-bearing deposits | 154,752,000 | 159,546,000 | 158,846,000 | 156,548,000 |
| Noninterest-bearing deposits | 69,044,000 | 69,294,000 | 80,056,000 | 80,103,000 |
| Equity capital | 21,972,000 | 23,397,000 | 24,933,000 | 24,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,625,000 | 5,248,000 | 7,930,000 | 10,570,000 |
| Interest expense | 206,000 | 410,000 | 606,000 | 774,000 |
| Net interest income | 2,419,000 | 4,838,000 | 7,324,000 | 9,796,000 |
| Noninterest income | 548,000 | 1,154,000 | 1,719,000 | 2,256,000 |
| Noninterest expense | 2,819,000 | 5,269,000 | 7,902,000 | 11,058,000 |
| Provision for loan losses | 986,000 | 986,000 | 986,000 | 986,000 |
| Pretax income | -812,000 | -39,000 | 807,000 | 845,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -812,000 | -39,000 | 807,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,009,000 | 22,782,000 | 23,628,000 | 23,620,000 |
| Total capital | 24,265,000 | 24,976,000 | 25,807,000 | 25,825,000 |
| Risk-weighted assets | 179,920,000 | 175,038,000 | 173,698,000 | 176,077,000 |
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