Call reports 2011
VALOR BANK — 2011
What VALOR BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 33,244,000 | 34,584,000 | 35,168,000 | 35,789,000 |
| Total loans | 16,269,000 | 15,325,000 | 14,276,000 | 16,438,000 |
| Allowance for loan losses | 272,000 | 272,000 | 268,000 | 276,000 |
| Securities available for sale | 13,354,000 | 16,864,000 | 17,874,000 | 16,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,236,000 | 31,342,000 | 31,671,000 | 32,545,000 |
| Interest-bearing deposits | 25,320,000 | 26,214,000 | 26,244,000 | 26,884,000 |
| Noninterest-bearing deposits | 4,916,000 | 5,128,000 | 5,427,000 | 5,661,000 |
| Equity capital | 2,674,000 | 2,910,000 | 3,168,000 | 2,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 373,000 | 761,000 | 1,128,000 | 1,488,000 |
| Interest expense | 92,000 | 187,000 | 276,000 | 361,000 |
| Net interest income | 281,000 | 574,000 | 852,000 | 1,127,000 |
| Noninterest income | 41,000 | 75,000 | 111,000 | 144,000 |
| Noninterest expense | 238,000 | 478,000 | 712,000 | 982,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 84,000 | 171,000 | 330,000 | 358,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 84,000 | 171,000 | 330,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,339,000 | 2,425,000 | 2,585,000 | 2,402,000 |
| Total capital | 2,562,000 | 2,656,000 | 2,794,000 | 2,630,000 |
| Risk-weighted assets | 17,772,000 | 18,399,000 | 16,696,000 | 18,189,000 |