Call reports 2017
VALLEY BANK OF RONAN — 2017
What VALLEY BANK OF RONAN reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 98,476,000 | 98,847,000 | 99,390,000 | 101,547,000 |
| Total loans | 52,073,000 | 55,804,000 | 57,422,000 | 59,136,000 |
| Allowance for loan losses | 828,000 | 847,000 | 901,000 | 861,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 7,854,000 | 7,854,000 | 7,603,000 | 7,414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,457,000 | 88,775,000 | 89,064,000 | 91,266,000 |
| Interest-bearing deposits | 55,172,000 | 53,178,000 | 53,780,000 | 53,531,000 |
| Noninterest-bearing deposits | 33,285,000 | 35,598,000 | 35,284,000 | 37,735,000 |
| Equity capital | 9,779,000 | 9,931,000 | 10,204,000 | 10,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,971,000 | 3,074,000 | 4,154,000 |
| Interest expense | 43,000 | 59,000 | 77,000 | 95,000 |
| Net interest income | 939,000 | 1,912,000 | 2,997,000 | 4,059,000 |
| Noninterest income | 209,000 | 415,000 | 643,000 | 828,000 |
| Noninterest expense | 862,000 | 1,754,000 | 2,644,000 | 3,597,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 35,000 |
| Pretax income | 271,000 | 543,000 | 961,000 | 1,255,000 |
| Income tax | 120,000 | 240,000 | 385,000 | 504,000 |
| Net income | 151,000 | 303,000 | 576,000 | 751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,654,000 | 9,809,000 | 10,084,000 | 10,068,000 |
| Total capital | 10,318,000 | 10,376,000 | 10,870,000 | 10,815,000 |
| Risk-weighted assets | 52,994,000 | 55,838,000 | 62,277,000 | 59,196,000 |