Call reports 2012
VALLEY BANK OF COMMERCE — 2012
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 134,692,000 | 125,544,000 | 128,642,000 | 138,473,000 |
| Total loans | 57,318,000 | 58,831,000 | 56,943,000 | 55,490,000 |
| Allowance for loan losses | 586,000 | 586,000 | 586,000 | 646,000 |
| Securities available for sale | 4,993,000 | 5,002,000 | 5,006,000 | 5,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,720,000 | 111,789,000 | 116,103,000 | 125,982,000 |
| Interest-bearing deposits | 75,742,000 | 69,494,000 | 70,847,000 | 79,635,000 |
| Noninterest-bearing deposits | 45,978,000 | 42,295,000 | 45,256,000 | 46,347,000 |
| Equity capital | 9,645,000 | 10,114,000 | 10,493,000 | 10,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,011,000 | 2,100,000 | 3,090,000 | 4,070,000 |
| Interest expense | 105,000 | 182,000 | 247,000 | 310,000 |
| Net interest income | 906,000 | 1,918,000 | 2,843,000 | 3,760,000 |
| Noninterest income | 185,000 | 337,000 | 484,000 | 641,000 |
| Noninterest expense | 556,000 | 1,113,000 | 1,663,000 | 2,235,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 535,000 | 1,142,000 | 1,664,000 | 2,106,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 535,000 | 1,142,000 | 1,664,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,649,000 | 10,110,000 | 10,485,000 | 10,779,000 |
| Total capital | 10,235,000 | 10,696,000 | 11,071,000 | 11,425,000 |
| Risk-weighted assets | 60,746,000 | 62,265,000 | 59,957,000 | 59,011,000 |
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