Call reports 2013
VALLEY EXCHANGE BANK — 2013
What VALLEY EXCHANGE 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 | 69,345,000 | 68,928,000 | 66,254,000 | 71,207,000 |
| Total loans | 28,439,000 | 29,202,000 | 29,620,000 | 29,428,000 |
| Allowance for loan losses | 473,000 | 473,000 | 473,000 | 373,000 |
| Securities available for sale | 18,150,000 | 17,667,000 | 17,116,000 | 17,097,000 |
| Securities held to maturity | 1,404,000 | 1,389,000 | 1,388,000 | 1,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,994,000 | 61,808,000 | 59,393,000 | 64,419,000 |
| Interest-bearing deposits | 51,062,000 | 52,184,000 | 50,077,000 | 54,477,000 |
| Noninterest-bearing deposits | 10,932,000 | 9,624,000 | 9,316,000 | 9,942,000 |
| Equity capital | 7,301,000 | 7,036,000 | 6,723,000 | 6,662,000 |
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 | 486,000 | 985,000 | 1,506,000 | 2,012,000 |
| Interest expense | 66,000 | 128,000 | 186,000 | 242,000 |
| Net interest income | 420,000 | 857,000 | 1,320,000 | 1,770,000 |
| Noninterest income | 42,000 | 89,000 | 133,000 | 184,000 |
| Noninterest expense | 383,000 | 766,000 | 1,153,000 | 1,514,000 |
| Provision for loan losses | 0 | 0 | 0 | -100,000 |
| Pretax income | 79,000 | 180,000 | 300,000 | 540,000 |
| Income tax | 20,000 | 67,000 | 136,000 | 214,000 |
| Net income | 59,000 | 113,000 | 164,000 | 326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,277,000 | 7,165,000 | 7,037,000 | 7,015,000 |
| Total capital | 7,700,000 | 7,589,000 | 7,460,000 | 7,388,000 |
| Risk-weighted assets | 33,784,000 | 33,855,000 | 33,756,000 | 34,395,000 |
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