Call reports 2013
VALOR BANK — 2013
What VALOR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,601,000 | 41,943,000 | 41,091,000 | 39,811,000 |
| Total loans | 17,917,000 | 18,089,000 | 17,746,000 | 19,886,000 |
| Allowance for loan losses | 262,000 | 262,000 | 254,000 | 330,000 |
| Securities available for sale | 19,899,000 | 18,855,000 | 18,896,000 | 18,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,232,000 | 38,792,000 | 37,941,000 | 36,133,000 |
| Interest-bearing deposits | 30,316,000 | 30,650,000 | 31,106,000 | 29,868,000 |
| Noninterest-bearing deposits | 6,916,000 | 8,142,000 | 6,835,000 | 6,265,000 |
| Equity capital | 3,009,000 | 2,790,000 | 2,788,000 | 2,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 690,000 | 1,032,000 | 1,388,000 |
| Interest expense | 77,000 | 154,000 | 231,000 | 310,000 |
| Net interest income | 274,000 | 536,000 | 801,000 | 1,078,000 |
| Noninterest income | 50,000 | 97,000 | 142,000 | 182,000 |
| Noninterest expense | 247,000 | 431,000 | 674,000 | 944,000 |
| Provision for loan losses | 0 | 0 | 0 | 142,000 |
| Pretax income | 77,000 | 202,000 | 301,000 | 217,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 77,000 | 202,000 | 301,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,627,000 | 2,751,000 | 2,851,000 | 2,583,000 |
| Total capital | 2,875,000 | 3,013,000 | 3,099,000 | 2,843,000 |
| Risk-weighted assets | 19,789,000 | 20,920,000 | 19,797,000 | 20,762,000 |