Call reports 2013
VALLANT BANK — 2013
What VALLANT BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 578,953,000 | 567,881,000 | 555,189,000 | 591,943,000 |
| Total loans | 343,961,000 | 347,947,000 | 347,713,000 | 368,704,000 |
| Allowance for loan losses | 6,176,000 | 4,868,000 | 5,072,000 | 5,049,000 |
| Securities available for sale | 160,201,000 | 160,325,000 | 138,571,000 | 132,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 505,417,000 | 496,421,000 | 483,817,000 | 519,499,000 |
| Interest-bearing deposits | 407,670,000 | 394,808,000 | 379,105,000 | 412,425,000 |
| Noninterest-bearing deposits | 97,747,000 | 101,613,000 | 104,712,000 | 107,074,000 |
| Equity capital | 68,557,000 | 65,365,000 | 62,445,000 | 63,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,883,000 | 11,756,000 | 17,505,000 | 23,488,000 |
| Interest expense | 337,000 | 645,000 | 929,000 | 1,187,000 |
| Net interest income | 5,546,000 | 11,111,000 | 16,576,000 | 22,301,000 |
| Noninterest income | 1,825,000 | 3,660,000 | 5,740,000 | 7,796,000 |
| Noninterest expense | 4,989,000 | 9,897,000 | 14,985,000 | 19,735,000 |
| Provision for loan losses | 1,247,000 | 1,634,000 | 2,449,000 | 4,757,000 |
| Pretax income | 1,345,000 | 3,826,000 | 5,484,000 | 6,167,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,345,000 | 3,826,000 | 5,484,000 | 6,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,964,000 | 57,462,000 | 57,969,000 | 58,647,000 |
| Total capital | 60,983,000 | 62,330,000 | 63,024,000 | 63,696,000 |
| Risk-weighted assets | 400,384,000 | 409,091,000 | 404,349,000 | 440,145,000 |