Call reports 2019
VALOR BANK — 2019
What VALOR BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 84,568,000 | 89,682,000 | 95,358,000 | 100,086,000 |
| Total loans | 75,519,000 | 80,829,000 | 81,792,000 | 80,877,000 |
| Allowance for loan losses | 592,000 | 625,000 | 626,000 | 634,000 |
| Securities available for sale | 523,000 | 521,000 | 518,000 | 515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,163,000 | 78,573,000 | 86,804,000 | 90,837,000 |
| Interest-bearing deposits | 69,631,000 | 74,223,000 | 82,287,000 | 86,421,000 |
| Noninterest-bearing deposits | 3,532,000 | 4,350,000 | 4,517,000 | 4,416,000 |
| Equity capital | 8,151,000 | 7,766,000 | 8,122,000 | 8,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,293,000 | 3,533,000 | 4,820,000 |
| Interest expense | 376,000 | 807,000 | 1,279,000 | 1,774,000 |
| Net interest income | 745,000 | 1,486,000 | 2,254,000 | 3,046,000 |
| Noninterest income | 371,000 | 983,000 | 1,682,000 | 2,347,000 |
| Noninterest expense | 775,000 | 1,722,000 | 2,708,000 | 3,737,000 |
| Provision for loan losses | 0 | 33,000 | 38,000 | 46,000 |
| Pretax income | 341,000 | 714,000 | 1,190,000 | 1,610,000 |
| Income tax | 0 | 33,000 | 54,000 | 76,000 |
| Net income | 341,000 | 681,000 | 1,136,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,150,000 | 7,765,000 | 8,121,000 | 8,449,000 |
| Total capital | 8,742,000 | 8,390,000 | 8,747,000 | 9,083,000 |
| Risk-weighted assets | 64,619,000 | 68,457,000 | 68,299,000 | 70,765,000 |