Call reports 2021
VALLEY EXCHANGE BANK — 2021
What VALLEY EXCHANGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 70,855,000 | 72,338,000 | 73,005,000 | 72,250,000 |
| Total loans | 16,899,000 | 15,168,000 | 14,262,000 | 13,508,000 |
| Allowance for loan losses | 241,000 | 95,000 | 95,000 | 100,000 |
| Securities available for sale | 5,011,000 | 5,046,000 | 15,157,000 | 15,093,000 |
| Securities held to maturity | 167,000 | 167,000 | 122,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,913,000 | 64,479,000 | 65,167,000 | 64,621,000 |
| Interest-bearing deposits | 45,739,000 | 48,742,000 | 48,940,000 | 48,213,000 |
| Noninterest-bearing deposits | 17,174,000 | 15,737,000 | 16,227,000 | 16,408,000 |
| Equity capital | 7,810,000 | 7,724,000 | 7,672,000 | 7,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 388,000 | 676,000 | 872,000 | 1,065,000 |
| Interest expense | 48,000 | 94,000 | 141,000 | 186,000 |
| Net interest income | 340,000 | 582,000 | 731,000 | 879,000 |
| Noninterest income | 28,000 | 55,000 | 80,000 | 106,000 |
| Noninterest expense | 408,000 | 738,000 | 1,044,000 | 1,334,000 |
| Provision for loan losses | 0 | 26,000 | 26,000 | 31,000 |
| Pretax income | -40,000 | -127,000 | -259,000 | -380,000 |
| Income tax | 0 | 0 | -88,000 | -91,000 |
| Net income | -40,000 | -127,000 | -171,000 | -289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,784,000 | 7,698,000 | 7,653,000 | 7,536,000 |
| Total capital | 8,024,000 | 7,793,000 | 7,747,000 | 7,636,000 |
| Risk-weighted assets | 23,460,000 | 20,902,000 | 19,378,000 | 17,935,000 |
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