Call reports 2015
VALLANT BANK — 2015
What VALLANT BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 650,777,000 | 644,273,000 | 649,303,000 | 673,722,000 |
| Total loans | 373,700,000 | 381,349,000 | 380,898,000 | 395,419,000 |
| Allowance for loan losses | 4,744,000 | 4,489,000 | 4,046,000 | 4,060,000 |
| Securities available for sale | 167,386,000 | 171,818,000 | 173,529,000 | 170,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 996,000 | 986,000 | 993,000 | 996,000 |
| Total deposits | 567,790,000 | 562,974,000 | 569,057,000 | 594,235,000 |
| Interest-bearing deposits | 430,524,000 | 420,604,000 | 415,190,000 | 450,066,000 |
| Noninterest-bearing deposits | 137,266,000 | 142,370,000 | 153,867,000 | 144,169,000 |
| Equity capital | 73,346,000 | 72,443,000 | 74,323,000 | 75,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,794,000 | 11,757,000 | 17,857,000 | 24,031,000 |
| Interest expense | 214,000 | 426,000 | 619,000 | 819,000 |
| Net interest income | 5,580,000 | 11,331,000 | 17,238,000 | 23,212,000 |
| Noninterest income | 2,259,000 | 4,500,000 | 6,801,000 | 9,051,000 |
| Noninterest expense | 5,392,000 | 11,013,000 | 16,607,000 | 22,485,000 |
| Provision for loan losses | 440,000 | 440,000 | 440,000 | 640,000 |
| Pretax income | 1,999,000 | 4,370,000 | 6,967,000 | 9,294,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,999,000 | 4,370,000 | 6,967,000 | 9,294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,460,000 | 63,466,000 | 64,485,000 | 65,264,000 |
| Total capital | 67,204,000 | 67,955,000 | 68,531,000 | 69,324,000 |
| Risk-weighted assets | 512,934,000 | 515,729,000 | 525,317,000 | 533,857,000 |