Call reports 2016
VALLEY BANK OF RONAN — 2016
What VALLEY BANK OF RONAN 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 | 95,650,000 | 93,034,000 | 96,705,000 | 98,129,000 |
| Total loans | 44,253,000 | 48,656,000 | 49,610,000 | 48,744,000 |
| Allowance for loan losses | 815,000 | 833,000 | 843,000 | 815,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 9,158,000 | 7,159,000 | 7,719,000 | 7,718,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,259,000 | 83,587,000 | 87,046,000 | 88,364,000 |
| Interest-bearing deposits | 55,803,000 | 54,159,000 | 55,003,000 | 53,685,000 |
| Noninterest-bearing deposits | 30,456,000 | 29,428,000 | 32,043,000 | 34,679,000 |
| Equity capital | 9,138,000 | 9,284,000 | 9,459,000 | 9,628,000 |
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 | 866,000 | 1,811,000 | 2,768,000 | 3,768,000 |
| Interest expense | 28,000 | 55,000 | 80,000 | 107,000 |
| Net interest income | 838,000 | 1,756,000 | 2,688,000 | 3,661,000 |
| Noninterest income | 243,000 | 454,000 | 657,000 | 954,000 |
| Noninterest expense | 871,000 | 1,724,000 | 2,580,000 | 3,405,000 |
| Provision for loan losses | 15,000 | 30,000 | 25,000 | 35,000 |
| Pretax income | 195,000 | 456,000 | 740,000 | 1,175,000 |
| Income tax | 85,000 | 200,000 | 309,000 | 405,000 |
| Net income | 110,000 | 256,000 | 431,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,000,000 | 8,878,000 | 9,081,000 | 9,247,000 |
| Total capital | 9,562,000 | 9,495,000 | 9,683,000 | 9,836,000 |
| Risk-weighted assets | 44,697,000 | 49,189,000 | 47,955,000 | 46,906,000 |