Call reports 2022
VALOR BANK — 2022
What VALOR BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 201,418,000 | 195,682,000 | 198,138,000 | 198,913,000 |
| Total loans | 143,412,000 | 157,528,000 | 167,952,000 | 176,845,000 |
| Allowance for loan losses | 1,159,000 | 1,267,000 | 1,387,000 | 1,455,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,500,000 | 178,674,000 | 179,765,000 | 179,582,000 |
| Interest-bearing deposits | 157,804,000 | 150,651,000 | 148,695,000 | 155,573,000 |
| Noninterest-bearing deposits | 26,696,000 | 28,023,000 | 31,070,000 | 24,009,000 |
| Equity capital | 16,144,000 | 16,150,000 | 16,573,000 | 17,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,925,000 | 4,023,000 | 6,466,000 | 9,283,000 |
| Interest expense | 272,000 | 544,000 | 912,000 | 1,527,000 |
| Net interest income | 1,653,000 | 3,479,000 | 5,554,000 | 7,756,000 |
| Noninterest income | 1,026,000 | 2,018,000 | 2,747,000 | 3,493,000 |
| Noninterest expense | 1,859,000 | 3,877,000 | 5,767,000 | 7,512,000 |
| Provision for loan losses | 94,000 | 202,000 | 322,000 | 390,000 |
| Pretax income | 726,000 | 1,418,000 | 2,212,000 | 3,347,000 |
| Income tax | 34,000 | 68,000 | 106,000 | 160,000 |
| Net income | 692,000 | 1,350,000 | 2,106,000 | 3,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,144,000 | 16,150,000 | 16,573,000 | 17,449,000 |
| Total capital | 17,303,000 | 17,417,000 | 17,960,000 | 18,904,000 |
| Risk-weighted assets | 119,503,000 | 131,374,000 | 142,588,000 | 144,100,000 |