Call reports 2015
VALOR BANK — 2015
What VALOR BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,026,000 | 35,243,000 | 33,723,000 | 40,239,000 |
| Total loans | 20,601,000 | 27,125,000 | 29,133,000 | 34,878,000 |
| Allowance for loan losses | 63,000 | 126,000 | 160,000 | 218,000 |
| Securities available for sale | 6,403,000 | 2,085,000 | 1,987,000 | 1,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,294,000 | 31,535,000 | 28,722,000 | 32,534,000 |
| Interest-bearing deposits | 24,597,000 | 23,235,000 | 22,675,000 | 26,250,000 |
| Noninterest-bearing deposits | 7,697,000 | 8,300,000 | 6,047,000 | 6,284,000 |
| Equity capital | 3,390,000 | 3,386,000 | 3,458,000 | 4,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 308,000 | 652,000 | 1,097,000 | 1,570,000 |
| Interest expense | 23,000 | 47,000 | 71,000 | 100,000 |
| Net interest income | 285,000 | 605,000 | 1,026,000 | 1,470,000 |
| Noninterest income | 44,000 | 78,000 | 158,000 | 352,000 |
| Noninterest expense | 252,000 | 511,000 | 906,000 | 1,414,000 |
| Provision for loan losses | 51,000 | 113,000 | 152,000 | 218,000 |
| Pretax income | 41,000 | 88,000 | 155,000 | 219,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 41,000 | 88,000 | 155,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,288,000 | 3,338,000 | 3,407,000 | 3,974,000 |
| Total capital | 3,351,000 | 3,464,000 | 3,567,000 | 4,192,000 |
| Risk-weighted assets | 21,379,000 | 29,682,000 | 29,690,000 | 31,829,000 |