Call reports 2015
VALLEY BANK OF COMMERCE — 2015
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 164,574,000 | 162,381,000 | 166,765,000 | 175,491,000 |
| Total loans | 45,966,000 | 46,246,000 | 45,048,000 | 44,950,000 |
| Allowance for loan losses | 669,000 | 669,000 | 669,000 | 669,000 |
| Securities available for sale | 5,000,000 | 4,986,000 | 4,998,000 | 4,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,892,000 | 150,430,000 | 154,497,000 | 159,677,000 |
| Interest-bearing deposits | 86,775,000 | 86,193,000 | 81,940,000 | 89,062,000 |
| Noninterest-bearing deposits | 65,117,000 | 64,237,000 | 72,557,000 | 70,615,000 |
| Equity capital | 11,065,000 | 11,308,000 | 11,604,000 | 15,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 919,000 | 1,826,000 | 2,715,000 | 3,624,000 |
| Interest expense | 52,000 | 103,000 | 153,000 | 203,000 |
| Net interest income | 867,000 | 1,723,000 | 2,562,000 | 3,421,000 |
| Noninterest income | 130,000 | 266,000 | 436,000 | 573,000 |
| Noninterest expense | 556,000 | 1,144,000 | 1,721,000 | 2,310,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 441,000 | 845,000 | 1,277,000 | 1,684,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 441,000 | 845,000 | 1,277,000 | 1,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,064,000 | 11,321,000 | 11,606,000 | 15,162,000 |
| Total capital | 11,697,000 | 11,944,000 | 12,275,000 | 15,816,000 |
| Risk-weighted assets | 50,612,000 | 49,811,000 | 53,494,000 | 52,276,000 |
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