Call reports 2014
VALLEY BANK & TRUST — 2014
What VALLEY BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 274,772,000 | 271,873,000 | 279,642,000 | 284,081,000 |
| Total loans | 127,545,000 | 127,565,000 | 129,627,000 | 128,604,000 |
| Allowance for loan losses | 1,991,000 | 2,943,000 | 2,214,000 | 2,315,000 |
| Securities available for sale | 110,106,000 | 103,533,000 | 105,004,000 | 114,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,835,000 | 246,650,000 | 252,699,000 | 256,489,000 |
| Interest-bearing deposits | 160,179,000 | 157,148,000 | 154,590,000 | 158,341,000 |
| Noninterest-bearing deposits | 87,656,000 | 89,502,000 | 98,109,000 | 98,148,000 |
| Equity capital | 22,144,000 | 23,886,000 | 25,430,000 | 25,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,589,000 | 5,167,000 | 7,893,000 | 10,564,000 |
| Interest expense | 111,000 | 214,000 | 309,000 | 400,000 |
| Net interest income | 2,478,000 | 4,953,000 | 7,584,000 | 10,164,000 |
| Noninterest income | 497,000 | 1,121,000 | 1,550,000 | 1,891,000 |
| Noninterest expense | 2,541,000 | 5,161,000 | 7,621,000 | 10,283,000 |
| Provision for loan losses | 0 | 0 | -725,000 | -721,000 |
| Pretax income | 241,000 | 807,000 | 2,150,000 | 2,379,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 241,000 | 807,000 | 2,150,000 | 2,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,468,000 | 24,104,000 | 25,404,000 | 25,662,000 |
| Total capital | 25,459,000 | 26,286,000 | 27,592,000 | 27,839,000 |
| Risk-weighted assets | 179,813,000 | 174,139,000 | 175,048,000 | 175,845,000 |
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