Call reports 2017
VALLEY BANK OF COMMERCE — 2017
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 191,701,000 | 176,104,000 | 174,075,000 | 189,617,000 |
| Total loans | 55,504,000 | 59,848,000 | 58,704,000 | 58,391,000 |
| Allowance for loan losses | 864,000 | 909,000 | 1,137,000 | 880,000 |
| Securities available for sale | 499,000 | 499,000 | 500,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,093,000 | 159,950,000 | 157,347,000 | 172,206,000 |
| Interest-bearing deposits | 100,936,000 | 93,583,000 | 93,590,000 | 99,097,000 |
| Noninterest-bearing deposits | 75,157,000 | 66,367,000 | 63,757,000 | 73,109,000 |
| Equity capital | 14,989,000 | 15,530,000 | 16,218,000 | 16,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,462,000 | 3,876,000 | 5,260,000 |
| Interest expense | 47,000 | 104,000 | 156,000 | 209,000 |
| Net interest income | 1,132,000 | 2,358,000 | 3,720,000 | 5,051,000 |
| Noninterest income | 135,000 | 270,000 | 417,000 | 574,000 |
| Noninterest expense | 620,000 | 1,220,000 | 1,699,000 | 2,325,000 |
| Provision for loan losses | 45,000 | 90,000 | 260,000 | 260,000 |
| Pretax income | 602,000 | 1,318,000 | 2,178,000 | 3,040,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 602,000 | 1,318,000 | 2,178,000 | 3,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,989,000 | 15,531,000 | 16,218,000 | 16,908,000 |
| Total capital | 15,769,000 | 16,349,000 | 17,014,000 | 17,678,000 |
| Risk-weighted assets | 62,279,000 | 65,331,000 | 63,376,000 | 61,480,000 |
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