Call reports 2013
VALLEY BANK OF RONAN — 2013
What VALLEY BANK OF RONAN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 65,187,000 | 64,064,000 | 66,045,000 | 66,920,000 |
| Total loans | 38,203,000 | 37,190,000 | 36,598,000 | 35,330,000 |
| Allowance for loan losses | 795,000 | 682,000 | 713,000 | 714,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,219,000 | 7,257,000 | 7,429,000 | 7,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,149,000 | 55,915,000 | 57,732,000 | 58,802,000 |
| Interest-bearing deposits | 41,807,000 | 41,001,000 | 42,271,000 | 42,586,000 |
| Noninterest-bearing deposits | 15,342,000 | 14,914,000 | 15,461,000 | 16,216,000 |
| Equity capital | 7,803,000 | 7,907,000 | 8,017,000 | 7,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 682,000 | 1,362,000 | 2,041,000 | 2,701,000 |
| Interest expense | 62,000 | 119,000 | 174,000 | 224,000 |
| Net interest income | 620,000 | 1,243,000 | 1,867,000 | 2,477,000 |
| Noninterest income | 172,000 | 335,000 | 497,000 | 659,000 |
| Noninterest expense | 612,000 | 1,204,000 | 1,792,000 | 2,373,000 |
| Provision for loan losses | 33,000 | 66,000 | 88,000 | 121,000 |
| Pretax income | 147,000 | 308,000 | 484,000 | 642,000 |
| Income tax | 50,000 | 107,000 | 173,000 | 232,000 |
| Net income | 97,000 | 201,000 | 311,000 | 410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,781,000 | 7,888,000 | 8,000,000 | 7,941,000 |
| Total capital | 8,375,000 | 8,472,000 | 8,585,000 | 8,514,000 |
| Risk-weighted assets | 47,311,000 | 46,617,000 | 46,669,000 | 45,712,000 |