Call reports 2015
VALLEY BANK & TRUST — 2015
What VALLEY BANK & TRUST 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 | 289,461,000 | 294,751,000 | 311,676,000 | 303,870,000 |
| Total loans | 129,771,000 | 131,892,000 | 131,717,000 | 136,587,000 |
| Allowance for loan losses | 1,951,000 | 2,007,000 | 2,031,000 | 2,176,000 |
| Securities available for sale | 113,463,000 | 124,919,000 | 128,496,000 | 135,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,839,000 | 266,851,000 | 282,377,000 | 273,677,000 |
| Interest-bearing deposits | 162,209,000 | 163,009,000 | 166,460,000 | 165,962,000 |
| Noninterest-bearing deposits | 98,630,000 | 103,842,000 | 115,917,000 | 107,715,000 |
| Equity capital | 26,912,000 | 26,272,000 | 27,543,000 | 28,284,000 |
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 | 2,607,000 | 5,156,000 | 7,873,000 | 10,813,000 |
| Interest expense | 84,000 | 167,000 | 250,000 | 331,000 |
| Net interest income | 2,523,000 | 4,989,000 | 7,623,000 | 10,482,000 |
| Noninterest income | 507,000 | 1,344,000 | 1,829,000 | 2,180,000 |
| Noninterest expense | 2,580,000 | 5,320,000 | 7,771,000 | 10,199,000 |
| Provision for loan losses | 0 | 0 | 14,000 | 137,000 |
| Pretax income | 382,000 | 945,000 | 1,599,000 | 2,281,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 382,000 | 945,000 | 1,599,000 | 2,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,099,000 | 26,557,000 | 27,211,000 | 27,685,000 |
| Total capital | 28,050,000 | 28,564,000 | 29,242,000 | 29,861,000 |
| Risk-weighted assets | 185,498,000 | 189,900,000 | 187,592,000 | 191,517,000 |