Call reports 2022
VALLEY BANK OF RONAN — 2022
What VALLEY BANK OF RONAN reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 172,394,000 | 169,452,000 | 177,051,000 | 172,174,000 |
| Total loans | 98,833,000 | 100,520,000 | 102,167,000 | 103,464,000 |
| Allowance for loan losses | 1,289,000 | 1,315,000 | 1,329,000 | 1,347,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,751,000 | 17,864,000 | 18,304,000 | 24,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,278,000 | 155,103,000 | 162,361,000 | 157,306,000 |
| Interest-bearing deposits | 80,716,000 | 80,444,000 | 83,073,000 | 78,383,000 |
| Noninterest-bearing deposits | 77,562,000 | 74,659,000 | 79,288,000 | 78,923,000 |
| Equity capital | 13,882,000 | 14,201,000 | 14,519,000 | 14,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 2,962,000 | 4,597,000 | 6,411,000 |
| Interest expense | 15,000 | 31,000 | 47,000 | 61,000 |
| Net interest income | 1,468,000 | 2,931,000 | 4,550,000 | 6,350,000 |
| Noninterest income | 186,000 | 441,000 | 642,000 | 841,000 |
| Noninterest expense | 1,278,000 | 2,547,000 | 3,914,000 | 5,273,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 361,000 | 795,000 | 1,233,000 | 1,858,000 |
| Income tax | 8,000 | 123,000 | 243,000 | 370,000 |
| Net income | 353,000 | 672,000 | 990,000 | 1,488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,517,000 | 13,846,000 | 14,175,000 | 14,423,000 |
| Total capital | 14,806,000 | 15,161,000 | 15,504,000 | 15,770,000 |
| Risk-weighted assets | 111,109,000 | 116,522,000 | 120,535,000 | 129,026,000 |