Call reports 2013
VALLEY STATE BANK — 2013
What VALLEY STATE 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 | 125,014,000 | 123,373,000 | 120,091,000 | 122,878,000 |
| Total loans | 48,054,000 | 46,461,000 | 47,939,000 | 47,919,000 |
| Allowance for loan losses | 960,000 | 976,000 | 990,000 | 988,000 |
| Securities available for sale | 65,917,000 | 65,952,000 | 63,129,000 | 61,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,205,000 | 105,782,000 | 102,428,000 | 105,282,000 |
| Interest-bearing deposits | 94,290,000 | 94,157,000 | 92,048,000 | 96,247,000 |
| Noninterest-bearing deposits | 11,915,000 | 11,625,000 | 10,380,000 | 9,035,000 |
| Equity capital | 18,292,000 | 17,440,000 | 17,490,000 | 17,430,000 |
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 | 855,000 | 1,730,000 | 2,598,000 | 3,514,000 |
| Interest expense | 221,000 | 439,000 | 657,000 | 847,000 |
| Net interest income | 634,000 | 1,291,000 | 1,941,000 | 2,667,000 |
| Noninterest income | 60,000 | 137,000 | 198,000 | 253,000 |
| Noninterest expense | 486,000 | 1,004,000 | 1,556,000 | 2,153,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 193,000 | 394,000 | 541,000 | 726,000 |
| Income tax | 45,000 | 94,000 | 127,000 | 145,000 |
| Net income | 148,000 | 300,000 | 414,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,549,000 | 17,581,000 | 17,695,000 | 17,861,000 |
| Total capital | 18,394,000 | 18,409,000 | 18,511,000 | 18,727,000 |
| Risk-weighted assets | 67,501,000 | 66,612,000 | 65,336,000 | 69,694,000 |