Call reports 2012
VALOR BANK — 2012
What VALOR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 37,079,000 | 41,371,000 | 39,641,000 | 39,790,000 |
| Total loans | 17,471,000 | 16,284,000 | 16,721,000 | 17,882,000 |
| Allowance for loan losses | 275,000 | 275,000 | 270,000 | 263,000 |
| Securities available for sale | 16,005,000 | 19,500,000 | 19,524,000 | 18,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,658,000 | 37,924,000 | 36,000,000 | 36,426,000 |
| Interest-bearing deposits | 27,724,000 | 30,048,000 | 29,244,000 | 29,149,000 |
| Noninterest-bearing deposits | 5,934,000 | 7,876,000 | 6,756,000 | 7,277,000 |
| Equity capital | 3,131,000 | 3,159,000 | 3,345,000 | 3,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 381,000 | 756,000 | 1,127,000 | 1,483,000 |
| Interest expense | 79,000 | 160,000 | 240,000 | 318,000 |
| Net interest income | 302,000 | 596,000 | 887,000 | 1,165,000 |
| Noninterest income | 45,000 | 98,000 | 141,000 | 177,000 |
| Noninterest expense | 226,000 | 468,000 | 704,000 | 976,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 226,000 | 420,000 | 475,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 226,000 | 420,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,522,000 | 2,598,000 | 2,763,000 | 2,652,000 |
| Total capital | 2,750,000 | 2,836,000 | 3,020,000 | 2,896,000 |
| Risk-weighted assets | 18,229,000 | 18,966,000 | 20,508,000 | 19,499,000 |