Call reports 2020
VALLEY BANK OF COMMERCE — 2020
What VALLEY BANK OF COMMERCE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 197,137,000 | 203,281,000 | 198,025,000 | 215,817,000 |
| Total loans | 86,844,000 | 97,566,000 | 107,230,000 | 99,618,000 |
| Allowance for loan losses | 1,253,000 | 1,401,000 | 1,544,000 | 2,701,000 |
| Securities available for sale | 254,000 | 254,000 | 253,000 | 251,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,562,000 | 183,707,000 | 177,442,000 | 195,527,000 |
| Interest-bearing deposits | 93,753,000 | 97,516,000 | 94,269,000 | 93,977,000 |
| Noninterest-bearing deposits | 84,809,000 | 86,191,000 | 83,173,000 | 101,550,000 |
| Equity capital | 18,251,000 | 19,209,000 | 20,080,000 | 19,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,881,000 | 3,585,000 | 5,422,000 | 7,331,000 |
| Interest expense | 75,000 | 138,000 | 206,000 | 269,000 |
| Net interest income | 1,806,000 | 3,447,000 | 5,216,000 | 7,062,000 |
| Noninterest income | 125,000 | 561,000 | 743,000 | 894,000 |
| Noninterest expense | 816,000 | 1,610,000 | 2,367,000 | 3,107,000 |
| Provision for loan losses | 0 | 150,000 | 300,000 | 1,550,000 |
| Pretax income | 1,115,000 | 2,248,000 | 3,292,000 | 3,299,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,115,000 | 2,248,000 | 3,292,000 | 3,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,248,000 | 19,205,000 | 20,078,000 | 19,913,000 |
| Total capital | 19,390,000 | 20,398,000 | 21,394,000 | 21,205,000 |
| Risk-weighted assets | 91,285,000 | 95,213,000 | 105,063,000 | 101,962,000 |
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