Call reports 2014
VALOR BANK — 2014
What VALOR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 39,617,000 | 39,485,000 | 37,863,000 | 36,870,000 |
| Total loans | 19,497,000 | 18,160,000 | 18,318,000 | 18,058,000 |
| Allowance for loan losses | 333,000 | 379,000 | 4,000 | 25,000 |
| Securities available for sale | 16,855,000 | 13,660,000 | 12,756,000 | 9,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,560,000 | 36,336,000 | 34,130,000 | 33,167,000 |
| Interest-bearing deposits | 29,415,000 | 28,061,000 | 27,160,000 | 26,117,000 |
| Noninterest-bearing deposits | 7,145,000 | 8,275,000 | 6,970,000 | 7,050,000 |
| Equity capital | 2,727,000 | 2,838,000 | 3,103,000 | 3,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 362,000 | 676,000 | 53,000 | 406,000 |
| Interest expense | 69,000 | 126,000 | 7,000 | 42,000 |
| Net interest income | 293,000 | 550,000 | 46,000 | 364,000 |
| Noninterest income | 55,000 | 97,000 | 7,000 | 43,000 |
| Noninterest expense | 248,000 | 504,000 | 249,000 | 346,000 |
| Provision for loan losses | 0 | 100,000 | 3,000 | 25,000 |
| Pretax income | 106,000 | 133,000 | -199,000 | 40,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 133,000 | -199,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,691,000 | 2,718,000 | 2,962,000 | 3,181,000 |
| Total capital | 2,949,000 | 2,965,000 | 2,966,000 | 3,206,000 |
| Risk-weighted assets | 20,563,000 | 19,613,000 | 20,125,000 | 19,464,000 |