Call reports 2018
VALOR BANK — 2018
What VALOR BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 79,407,000 | 84,987,000 | 81,083,000 | 82,938,000 |
| Total loans | 70,624,000 | 76,822,000 | 73,460,000 | 75,727,000 |
| Allowance for loan losses | 538,000 | 574,000 | 592,000 | 592,000 |
| Securities available for sale | 1,340,000 | 1,334,000 | 1,066,000 | 1,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,258,000 | 67,826,000 | 62,189,000 | 66,513,000 |
| Interest-bearing deposits | 56,688,000 | 59,358,000 | 59,104,000 | 62,935,000 |
| Noninterest-bearing deposits | 8,570,000 | 8,468,000 | 3,085,000 | 3,578,000 |
| Equity capital | 6,626,000 | 6,745,000 | 7,724,000 | 7,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 990,000 | 2,085,000 | 3,235,000 | 4,380,000 |
| Interest expense | 163,000 | 359,000 | 643,000 | 977,000 |
| Net interest income | 827,000 | 1,726,000 | 2,592,000 | 3,403,000 |
| Noninterest income | 270,000 | 617,000 | 1,694,000 | 2,144,000 |
| Noninterest expense | 762,000 | 1,640,000 | 2,446,000 | 3,310,000 |
| Provision for loan losses | 60,000 | 97,000 | 115,000 | 115,000 |
| Pretax income | 275,000 | 606,000 | 1,725,000 | 2,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 275,000 | 606,000 | 1,725,000 | 2,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,592,000 | 6,716,000 | 7,725,000 | 7,944,000 |
| Total capital | 7,130,000 | 7,290,000 | 8,317,000 | 8,536,000 |
| Risk-weighted assets | 64,345,000 | 66,608,000 | 63,132,000 | 64,600,000 |