Call reports 2016
VALLEY BANK OF COMMERCE — 2016
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 164,674,000 | 166,213,000 | 175,705,000 | 180,891,000 |
| Total loans | 44,493,000 | 47,596,000 | 49,695,000 | 52,134,000 |
| Allowance for loan losses | 684,000 | 729,000 | 774,000 | 819,000 |
| Securities available for sale | 4,997,000 | 5,000,000 | 499,000 | 499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,562,000 | 150,810,000 | 160,014,000 | 164,827,000 |
| Interest-bearing deposits | 80,688,000 | 85,004,000 | 81,315,000 | 84,488,000 |
| Noninterest-bearing deposits | 68,874,000 | 65,806,000 | 78,699,000 | 80,339,000 |
| Equity capital | 14,494,000 | 14,768,000 | 15,054,000 | 15,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,868,000 | 2,870,000 | 3,919,000 |
| Interest expense | 49,000 | 97,000 | 140,000 | 193,000 |
| Net interest income | 843,000 | 1,771,000 | 2,730,000 | 3,726,000 |
| Noninterest income | 130,000 | 295,000 | 419,000 | 599,000 |
| Noninterest expense | 592,000 | 1,193,000 | 1,772,000 | 2,368,000 |
| Provision for loan losses | 15,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 366,000 | 813,000 | 1,272,000 | 1,807,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 366,000 | 813,000 | 1,272,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,497,000 | 14,769,000 | 15,054,000 | 15,417,000 |
| Total capital | 15,157,000 | 15,466,000 | 15,759,000 | 16,148,000 |
| Risk-weighted assets | 52,780,000 | 55,714,000 | 56,328,000 | 58,380,000 |
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