Call reports 2022
VALLEY EXCHANGE BANK — 2022
What VALLEY EXCHANGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 76,002,000 | 76,103,000 | 75,196,000 | 77,176,000 |
| Total loans | 11,225,000 | 12,247,000 | 12,439,000 | 12,166,000 |
| Allowance for loan losses | 100,000 | 100,000 | 108,000 | 109,000 |
| Securities available for sale | 29,909,000 | 31,794,000 | 0 | 0 |
| Securities held to maturity | 42,000 | 42,000 | 26,869,000 | 22,910,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,650,000 | 68,919,000 | 67,570,000 | 69,362,000 |
| Interest-bearing deposits | 50,046,000 | 50,105,000 | 48,716,000 | 47,063,000 |
| Noninterest-bearing deposits | 18,604,000 | 18,814,000 | 18,854,000 | 22,299,000 |
| Equity capital | 7,282,000 | 7,087,000 | 7,528,000 | 7,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 181,000 | 408,000 | 793,000 | 1,347,000 |
| Interest expense | 32,000 | 63,000 | 92,000 | 120,000 |
| Net interest income | 149,000 | 345,000 | 701,000 | 1,227,000 |
| Noninterest income | 27,000 | 75,000 | 410,000 | 447,000 |
| Noninterest expense | 295,000 | 657,000 | 987,000 | 1,357,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 8,000 |
| Pretax income | -77,000 | -237,000 | 116,000 | 309,000 |
| Income tax | 7,000 | -6,000 | -6,000 | 56,000 |
| Net income | -84,000 | -231,000 | 122,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,273,000 | 7,140,000 | 7,516,000 | 7,627,000 |
| Total capital | 7,373,000 | 7,240,000 | 7,624,000 | 7,736,000 |
| Risk-weighted assets | 15,350,000 | 18,534,000 | 16,971,000 | 17,864,000 |
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