Call reports 2014
VALLEY BANK OF COMMERCE — 2014
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 143,920,000 | 156,743,000 | 164,824,000 | 163,722,000 |
| Total loans | 47,898,000 | 51,943,000 | 51,486,000 | 48,500,000 |
| Allowance for loan losses | 669,000 | 669,000 | 669,000 | 669,000 |
| Securities available for sale | 4,996,000 | 5,000,000 | 4,977,000 | 4,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,316,000 | 142,120,000 | 149,292,000 | 150,357,000 |
| Interest-bearing deposits | 82,197,000 | 87,748,000 | 85,759,000 | 84,339,000 |
| Noninterest-bearing deposits | 49,119,000 | 54,372,000 | 63,533,000 | 66,018,000 |
| Equity capital | 10,522,000 | 10,927,000 | 11,274,000 | 11,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,830,000 | 2,817,000 | 3,791,000 |
| Interest expense | 50,000 | 103,000 | 156,000 | 212,000 |
| Net interest income | 855,000 | 1,727,000 | 2,661,000 | 3,579,000 |
| Noninterest income | 139,000 | 282,000 | 424,000 | 576,000 |
| Noninterest expense | 602,000 | 1,069,000 | 1,628,000 | 2,197,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 392,000 | 940,000 | 1,457,000 | 1,958,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 392,000 | 940,000 | 1,457,000 | 1,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,524,000 | 10,925,000 | 11,295,000 | 11,649,000 |
| Total capital | 11,176,000 | 11,594,000 | 11,964,000 | 12,314,000 |
| Risk-weighted assets | 52,175,000 | 56,447,000 | 55,912,000 | 53,169,000 |
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