Call reports 2016
VALLEY BANK & TRUST — 2016
What VALLEY BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 306,770,000 | 300,472,000 | 314,065,000 | 313,297,000 |
| Total loans | 142,236,000 | 141,752,000 | 143,615,000 | 151,787,000 |
| Allowance for loan losses | 2,180,000 | 2,217,000 | 2,422,000 | 2,466,000 |
| Securities available for sale | 128,164,000 | 120,770,000 | 125,287,000 | 127,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,227,000 | 267,092,000 | 280,481,000 | 284,587,000 |
| Interest-bearing deposits | 164,470,000 | 162,491,000 | 161,404,000 | 168,780,000 |
| Noninterest-bearing deposits | 110,757,000 | 104,601,000 | 119,077,000 | 115,807,000 |
| Equity capital | 29,762,000 | 31,415,000 | 31,164,000 | 26,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,760,000 | 5,622,000 | 8,404,000 | 11,457,000 |
| Interest expense | 78,000 | 156,000 | 228,000 | 300,000 |
| Net interest income | 2,682,000 | 5,466,000 | 8,176,000 | 11,157,000 |
| Noninterest income | 480,000 | 942,000 | 1,654,000 | 2,115,000 |
| Noninterest expense | 2,436,000 | 4,815,000 | 7,539,000 | 10,408,000 |
| Provision for loan losses | 0 | 0 | 46,000 | 149,000 |
| Pretax income | 830,000 | 1,702,000 | 2,381,000 | 2,851,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 830,000 | 1,702,000 | 2,381,000 | 2,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,620,000 | 29,576,000 | 29,684,000 | 28,507,000 |
| Total capital | 30,800,000 | 31,793,000 | 32,106,000 | 30,973,000 |
| Risk-weighted assets | 192,180,000 | 192,254,000 | 195,847,000 | 203,230,000 |