Call reports 2019
VALLEY BANK OF COMMERCE — 2019
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 179,728,000 | 165,598,000 | 169,864,000 | 187,593,000 |
| Total loans | 57,089,000 | 69,994,000 | 75,750,000 | 79,092,000 |
| Allowance for loan losses | 1,253,000 | 1,253,000 | 1,253,000 | 1,253,000 |
| Securities available for sale | 501,000 | 252,000 | 252,000 | 252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,400,000 | 147,566,000 | 150,939,000 | 167,923,000 |
| Interest-bearing deposits | 89,493,000 | 84,930,000 | 84,675,000 | 98,314,000 |
| Noninterest-bearing deposits | 72,907,000 | 62,636,000 | 66,264,000 | 69,609,000 |
| Equity capital | 16,948,000 | 17,636,000 | 18,451,000 | 19,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,795,000 | 3,542,000 | 5,412,000 | 7,220,000 |
| Interest expense | 83,000 | 170,000 | 267,000 | 350,000 |
| Net interest income | 1,712,000 | 3,372,000 | 5,145,000 | 6,870,000 |
| Noninterest income | 179,000 | 326,000 | 477,000 | 649,000 |
| Noninterest expense | 744,000 | 1,518,000 | 2,283,000 | 3,095,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,147,000 | 2,180,000 | 3,339,000 | 4,424,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,147,000 | 2,180,000 | 3,339,000 | 4,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,948,000 | 17,635,000 | 18,450,000 | 19,191,000 |
| Total capital | 17,702,000 | 18,569,000 | 19,466,000 | 20,246,000 |
| Risk-weighted assets | 59,805,000 | 74,412,000 | 81,014,000 | 84,171,000 |
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