Call reports 2021
VALLEY BANK OF RONAN — 2021
What VALLEY BANK OF RONAN reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 146,268,000 | 155,609,000 | 163,467,000 | 169,207,000 |
| Total loans | 73,959,000 | 84,572,000 | 85,038,000 | 93,903,000 |
| Allowance for loan losses | 1,095,000 | 1,235,000 | 1,250,000 | 1,268,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,756,000 | 7,044,000 | 10,916,000 | 14,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,167,000 | 141,819,000 | 149,701,000 | 155,503,000 |
| Interest-bearing deposits | 69,772,000 | 74,571,000 | 76,436,000 | 78,927,000 |
| Noninterest-bearing deposits | 63,395,000 | 67,248,000 | 73,265,000 | 76,576,000 |
| Equity capital | 12,585,000 | 13,080,000 | 13,506,000 | 13,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,323,000 | 2,997,000 | 4,808,000 | 6,183,000 |
| Interest expense | 16,000 | 32,000 | 48,000 | 64,000 |
| Net interest income | 1,307,000 | 2,965,000 | 4,760,000 | 6,119,000 |
| Noninterest income | 206,000 | 401,000 | 616,000 | 882,000 |
| Noninterest expense | 1,145,000 | 2,361,000 | 3,689,000 | 4,964,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 353,000 | 975,000 | 1,642,000 | 1,977,000 |
| Income tax | 105,000 | 232,000 | 473,000 | 545,000 |
| Net income | 248,000 | 743,000 | 1,169,000 | 1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,242,000 | 12,747,000 | 13,184,000 | 13,219,000 |
| Total capital | — | — | 14,434,000 | 14,487,000 |
| Risk-weighted assets | — | — | 100,680,000 | 108,945,000 |