Call reports 2016
VALOR BANK — 2016
What VALOR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 41,300,000 | 47,941,000 | 46,422,000 | 48,728,000 |
| Total loans | 36,415,000 | 41,696,000 | 38,790,000 | 40,382,000 |
| Allowance for loan losses | 225,000 | 243,000 | 264,000 | 276,000 |
| Securities available for sale | 1,979,000 | 1,971,000 | 1,855,000 | 1,820,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,598,000 | 39,592,000 | 41,550,000 | 41,558,000 |
| Interest-bearing deposits | 27,415,000 | 33,617,000 | 36,167,000 | 35,540,000 |
| Noninterest-bearing deposits | 6,183,000 | 5,975,000 | 5,383,000 | 6,018,000 |
| Equity capital | 4,170,000 | 4,391,000 | 4,529,000 | 4,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,067,000 | 1,659,000 | 2,218,000 |
| Interest expense | 39,000 | 89,000 | 156,000 | 227,000 |
| Net interest income | 475,000 | 978,000 | 1,503,000 | 1,991,000 |
| Noninterest income | 186,000 | 411,000 | 806,000 | 1,080,000 |
| Noninterest expense | 508,000 | 1,004,000 | 1,617,000 | 2,358,000 |
| Provision for loan losses | 17,000 | 29,000 | 47,000 | 58,000 |
| Pretax income | 136,000 | 356,000 | 645,000 | 655,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 356,000 | 645,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,098,000 | 4,322,000 | 4,464,000 | 4,459,000 |
| Total capital | 4,323,000 | 4,565,000 | 4,728,000 | 4,735,000 |
| Risk-weighted assets | 32,387,000 | 36,149,000 | 35,493,000 | 36,674,000 |