Call reports 2019
VALLEY BANK OF RONAN — 2019
What VALLEY BANK OF RONAN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 103,988,000 | 103,709,000 | 104,234,000 | 105,885,000 |
| Total loans | 59,775,000 | 64,404,000 | 64,708,000 | 66,061,000 |
| Allowance for loan losses | 1,006,000 | 1,027,000 | 1,038,000 | 988,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 7,442,000 | 8,468,000 | 8,357,000 | 7,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,746,000 | 92,310,000 | 92,485,000 | 94,252,000 |
| Interest-bearing deposits | 47,931,000 | 53,939,000 | 53,913,000 | 53,655,000 |
| Noninterest-bearing deposits | 44,815,000 | 38,371,000 | 38,572,000 | 40,597,000 |
| Equity capital | 11,048,000 | 11,256,000 | 11,523,000 | 11,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,114,000 | 2,299,000 | 3,567,000 | 4,784,000 |
| Interest expense | 34,000 | 72,000 | 114,000 | 150,000 |
| Net interest income | 1,080,000 | 2,227,000 | 3,453,000 | 4,634,000 |
| Noninterest income | 187,000 | 387,000 | 571,000 | 738,000 |
| Noninterest expense | 987,000 | 1,988,000 | 3,011,000 | 4,100,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 265,000 | 596,000 | 968,000 | 1,212,000 |
| Income tax | 105,000 | 228,000 | 333,000 | 319,000 |
| Net income | 160,000 | 368,000 | 635,000 | 893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,557,000 | 10,795,000 | 11,151,000 | 11,135,000 |
| Total capital | 10,829,000 | 11,677,000 | 12,019,000 | 11,944,000 |
| Risk-weighted assets | 60,281,000 | 70,463,000 | 69,275,000 | 64,613,000 |