Call reports 2013
VALLEY GREEN BANK — 2013
What VALLEY GREEN 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 | 302,483,000 | 311,405,000 | 346,344,000 | 357,317,000 |
| Total loans | 261,037,000 | 280,468,000 | 305,196,000 | 323,387,000 |
| Allowance for loan losses | 2,462,000 | 2,683,000 | 2,940,000 | 2,846,000 |
| Securities available for sale | 21,936,000 | 13,264,000 | 13,134,000 | 13,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,615,000 | 279,753,000 | 314,848,000 | 324,964,000 |
| Interest-bearing deposits | 237,067,000 | 231,591,000 | 274,802,000 | 282,747,000 |
| Noninterest-bearing deposits | 34,548,000 | 48,162,000 | 40,046,000 | 42,217,000 |
| Equity capital | 29,444,000 | 30,216,000 | 29,870,000 | 31,243,000 |
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 | 4,075,000 | 8,385,000 | 12,926,000 | 17,752,000 |
| Interest expense | 450,000 | 886,000 | 1,349,000 | 1,830,000 |
| Net interest income | 3,625,000 | 7,499,000 | 11,577,000 | 15,922,000 |
| Noninterest income | 154,000 | 307,000 | 634,000 | 748,000 |
| Noninterest expense | 2,105,000 | 4,294,000 | 6,546,000 | 8,952,000 |
| Provision for loan losses | 241,000 | 461,000 | 763,000 | 701,000 |
| Pretax income | 1,433,000 | 3,060,000 | 4,911,000 | 7,026,000 |
| Income tax | 488,000 | 1,049,000 | 1,686,000 | 2,405,000 |
| Net income | 945,000 | 2,011,000 | 3,225,000 | 4,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,440,000 | 30,625,000 | 30,354,000 | 31,785,000 |
| Total capital | 31,902,000 | 33,308,000 | 33,294,000 | 34,631,000 |
| Risk-weighted assets | 236,145,000 | 254,103,000 | 277,949,000 | 293,543,000 |