Call reports 2014
VALLEY BANK OF RONAN — 2014
What VALLEY BANK OF RONAN 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 | 65,746,000 | 65,292,000 | 66,126,000 | 66,663,000 |
| Total loans | 34,051,000 | 34,151,000 | 34,157,000 | 32,336,000 |
| Allowance for loan losses | 754,000 | 722,000 | 723,000 | 634,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 8,666,000 | 9,166,000 | 8,666,000 | 8,666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,598,000 | 57,047,000 | 57,766,000 | 58,338,000 |
| Interest-bearing deposits | 41,686,000 | 40,468,000 | 38,919,000 | 40,329,000 |
| Noninterest-bearing deposits | 15,913,000 | 16,579,000 | 18,847,000 | 18,009,000 |
| Equity capital | 7,972,000 | 8,092,000 | 8,226,000 | 8,196,000 |
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 | 609,000 | 1,224,000 | 1,874,000 | 2,462,000 |
| Interest expense | 43,000 | 80,000 | 115,000 | 147,000 |
| Net interest income | 566,000 | 1,144,000 | 1,759,000 | 2,315,000 |
| Noninterest income | 152,000 | 308,000 | 481,000 | 629,000 |
| Noninterest expense | 594,000 | 1,191,000 | 1,798,000 | 2,389,000 |
| Provision for loan losses | 33,000 | 0 | 0 | 0 |
| Pretax income | 91,000 | 261,000 | 442,000 | 555,000 |
| Income tax | 75,000 | 125,000 | 172,000 | 155,000 |
| Net income | 16,000 | 136,000 | 270,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,960,000 | 8,082,000 | 8,218,000 | 8,191,000 |
| Total capital | 8,521,000 | 8,643,000 | 8,778,000 | 8,737,000 |
| Risk-weighted assets | 44,425,000 | 44,437,000 | 44,404,000 | 43,348,000 |
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