Call reports 2012
VALLEY BANK OF RONAN — 2012
What VALLEY BANK OF RONAN 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 | 68,313,000 | 65,686,000 | 69,707,000 | 68,810,000 |
| Total loans | 40,278,000 | 40,156,000 | 41,496,000 | 39,771,000 |
| Allowance for loan losses | 778,000 | 700,000 | 729,000 | 761,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,092,000 | 5,242,000 | 5,742,000 | 6,630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,731,000 | 57,987,000 | 61,843,000 | 60,892,000 |
| Interest-bearing deposits | 44,902,000 | 43,462,000 | 45,023,000 | 44,584,000 |
| Noninterest-bearing deposits | 15,829,000 | 14,524,000 | 16,820,000 | 16,308,000 |
| Equity capital | 7,318,000 | 7,466,000 | 7,613,000 | 7,706,000 |
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 | 686,000 | 1,382,000 | 2,070,000 | 2,827,000 |
| Interest expense | 92,000 | 173,000 | 251,000 | 321,000 |
| Net interest income | 594,000 | 1,209,000 | 1,819,000 | 2,506,000 |
| Noninterest income | 154,000 | 308,000 | 502,000 | 655,000 |
| Noninterest expense | 608,000 | 1,196,000 | 1,800,000 | 2,414,000 |
| Provision for loan losses | 383,000 | 416,000 | 449,000 | 482,000 |
| Pretax income | -243,000 | -95,000 | 72,000 | 265,000 |
| Income tax | 26,000 | 26,000 | 46,000 | 71,000 |
| Net income | -269,000 | -121,000 | 26,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,286,000 | 7,436,000 | 7,613,000 | 7,682,000 |
| Total capital | 7,907,000 | 8,049,000 | 8,253,000 | 8,299,000 |
| Risk-weighted assets | 49,550,000 | 48,975,000 | 51,193,000 | 49,243,000 |