Call reports 2012
VALLEY STATE BANK — 2012
What VALLEY STATE 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 | 121,159,000 | 128,122,000 | 124,134,000 | 122,027,000 |
| Total loans | 49,796,000 | 49,553,000 | 47,939,000 | 49,770,000 |
| Allowance for loan losses | 955,000 | 945,000 | 947,000 | 946,000 |
| Securities available for sale | 57,385,000 | 66,229,000 | 60,616,000 | 61,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,019,000 | 109,859,000 | 105,387,000 | 103,280,000 |
| Interest-bearing deposits | 93,085,000 | 96,116,000 | 93,500,000 | 94,530,000 |
| Noninterest-bearing deposits | 9,934,000 | 13,743,000 | 11,887,000 | 8,750,000 |
| Equity capital | 17,614,000 | 17,715,000 | 18,079,000 | 18,175,000 |
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 | 997,000 | 1,993,000 | 2,934,000 | 3,832,000 |
| Interest expense | 274,000 | 532,000 | 787,000 | 1,020,000 |
| Net interest income | 723,000 | 1,461,000 | 2,147,000 | 2,812,000 |
| Noninterest income | 79,000 | 139,000 | 196,000 | 252,000 |
| Noninterest expense | 536,000 | 1,081,000 | 1,639,000 | 2,161,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 618,000 | 803,000 | 1,003,000 |
| Income tax | 69,000 | 171,000 | 214,000 | 257,000 |
| Net income | 198,000 | 447,000 | 589,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,968,000 | 17,108,000 | 17,245,000 | 17,402,000 |
| Total capital | 17,881,000 | 17,981,000 | 18,136,000 | 18,261,000 |
| Risk-weighted assets | 73,000,000 | 69,733,000 | 71,190,000 | 68,655,000 |