Call reports 2015
VALLEY STATE BANK — 2015
What VALLEY STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 124,126,000 | 123,218,000 | 119,935,000 | 123,566,000 |
| Total loans | 49,983,000 | 52,609,000 | 50,118,000 | 49,309,000 |
| Allowance for loan losses | 917,000 | 929,000 | 941,000 | 941,000 |
| Securities available for sale | 62,335,000 | 61,074,000 | 60,482,000 | 62,816,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,713,000 | 103,914,000 | 100,073,000 | 103,719,000 |
| Interest-bearing deposits | 91,880,000 | 90,917,000 | 86,556,000 | 91,315,000 |
| Noninterest-bearing deposits | 12,833,000 | 12,997,000 | 13,517,000 | 12,404,000 |
| Equity capital | 19,069,000 | 18,983,000 | 19,383,000 | 19,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 880,000 | 1,816,000 | 2,725,000 | 3,575,000 |
| Interest expense | 108,000 | 216,000 | 322,000 | 428,000 |
| Net interest income | 772,000 | 1,600,000 | 2,403,000 | 3,147,000 |
| Noninterest income | 54,000 | 106,000 | 406,000 | 485,000 |
| Noninterest expense | 569,000 | 1,146,000 | 1,752,000 | 2,327,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 238,000 | 511,000 | 978,000 | 1,196,000 |
| Income tax | 56,000 | 126,000 | 270,000 | 323,000 |
| Net income | 182,000 | 385,000 | 708,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,690,000 | 18,733,000 | 19,055,000 | 19,219,000 |
| Total capital | 17,134,000 | 19,331,000 | 19,655,000 | 19,843,000 |
| Risk-weighted assets | 34,655,000 | 47,510,000 | 47,672,000 | 49,640,000 |