Call reports 2012
VALLEY EXCHANGE BANK — 2012
What VALLEY EXCHANGE 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 | 66,072,000 | 64,969,000 | 66,147,000 | 68,374,000 |
| Total loans | 29,060,000 | 29,798,000 | 29,908,000 | 29,658,000 |
| Allowance for loan losses | 475,000 | 475,000 | 473,000 | 473,000 |
| Securities available for sale | 5,997,000 | 5,999,000 | 13,004,000 | 17,233,000 |
| Securities held to maturity | 4,777,000 | 4,771,000 | 3,337,000 | 3,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,421,000 | 57,330,000 | 58,442,000 | 60,819,000 |
| Interest-bearing deposits | 47,702,000 | 47,282,000 | 47,724,000 | 49,332,000 |
| Noninterest-bearing deposits | 10,719,000 | 10,048,000 | 10,718,000 | 11,487,000 |
| Equity capital | 7,590,000 | 7,568,000 | 7,621,000 | 7,508,000 |
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 | 434,000 | 872,000 | 1,331,000 | 1,841,000 |
| Interest expense | 81,000 | 156,000 | 228,000 | 301,000 |
| Net interest income | 353,000 | 716,000 | 1,103,000 | 1,540,000 |
| Noninterest income | 47,000 | 93,000 | 136,000 | 178,000 |
| Noninterest expense | 387,000 | 767,000 | 1,140,000 | 1,534,000 |
| Provision for loan losses | -120,000 | -120,000 | -120,000 | -120,000 |
| Pretax income | 133,000 | 162,000 | 219,000 | 304,000 |
| Income tax | 4,000 | 56,000 | 64,000 | 55,000 |
| Net income | 129,000 | 106,000 | 155,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,591,000 | 7,568,000 | 7,617,000 | 7,456,000 |
| Total capital | 7,987,000 | 7,962,000 | 8,033,000 | 7,878,000 |
| Risk-weighted assets | 31,630,000 | 31,561,000 | 33,400,000 | 33,702,000 |