Call reports 2012
VALLANT BANK — 2012
What VALLANT BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 584,691,000 | 583,337,000 | 562,901,000 | 578,956,000 |
| Total loans | 345,577,000 | 345,998,000 | 341,706,000 | 345,891,000 |
| Allowance for loan losses | 6,764,000 | 6,410,000 | 6,075,000 | 5,069,000 |
| Securities available for sale | 156,226,000 | 162,854,000 | 159,668,000 | 159,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 515,669,000 | 513,326,000 | 489,118,000 | 503,521,000 |
| Interest-bearing deposits | 421,918,000 | 420,514,000 | 396,785,000 | 408,919,000 |
| Noninterest-bearing deposits | 93,751,000 | 92,812,000 | 92,333,000 | 94,602,000 |
| Equity capital | 61,662,000 | 64,527,000 | 67,401,000 | 69,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,321,000 | 12,516,000 | 18,666,000 | 24,752,000 |
| Interest expense | 586,000 | 1,099,000 | 1,540,000 | 1,915,000 |
| Net interest income | 5,735,000 | 11,417,000 | 17,126,000 | 22,837,000 |
| Noninterest income | 1,112,000 | 1,460,000 | 2,918,000 | 4,866,000 |
| Noninterest expense | 4,836,000 | 9,711,000 | 14,580,000 | 19,441,000 |
| Provision for loan losses | 350,000 | 694,000 | 1,071,000 | 1,460,000 |
| Pretax income | 1,779,000 | 3,201,000 | 5,518,000 | 8,236,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,779,000 | 3,201,000 | 5,518,000 | 8,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,037,000 | 50,533,000 | 52,921,000 | 55,644,000 |
| Total capital | 54,010,000 | 55,503,000 | 57,825,000 | 60,632,000 |
| Risk-weighted assets | 396,073,000 | 396,148,000 | 391,138,000 | 398,947,000 |