Call reports 2012
VALLEY COMMUNITY BANK — 2012
What VALLEY COMMUNITY 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 | 179,371,000 | 168,650,000 | 169,098,000 | 161,996,000 |
| Total loans | 128,753,000 | 121,765,000 | 115,651,000 | 116,984,000 |
| Allowance for loan losses | 4,238,000 | 4,809,000 | 5,642,000 | 5,215,000 |
| Securities available for sale | 17,785,000 | 16,790,000 | 16,167,000 | 18,387,000 |
| Securities held to maturity | 76,000 | 56,000 | 40,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,076,000 | 143,850,000 | 145,816,000 | 139,732,000 |
| Interest-bearing deposits | 114,659,000 | 103,153,000 | 102,965,000 | 100,164,000 |
| Noninterest-bearing deposits | 39,417,000 | 40,697,000 | 42,850,000 | 39,569,000 |
| Equity capital | 19,302,000 | 18,595,000 | 16,947,000 | 16,281,000 |
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 | 1,937,000 | 3,881,000 | 5,667,000 | 7,208,000 |
| Interest expense | 255,000 | 484,000 | 699,000 | 907,000 |
| Net interest income | 1,682,000 | 3,397,000 | 4,968,000 | 6,301,000 |
| Noninterest income | 560,000 | 934,000 | 1,248,000 | 1,111,000 |
| Noninterest expense | 2,250,000 | 4,533,000 | 6,678,000 | 7,786,000 |
| Provision for loan losses | 375,000 | 900,000 | 2,300,000 | 2,821,000 |
| Pretax income | -383,000 | -1,102,000 | -2,762,000 | -3,195,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 228,000 |
| Net income | -384,000 | -1,103,000 | -2,763,000 | -3,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,000,000 | 18,342,000 | 16,696,000 | 16,053,000 |
| Total capital | 20,815,000 | 20,028,000 | 18,282,000 | 17,671,000 |
| Risk-weighted assets | 142,757,000 | 131,699,000 | 122,699,000 | 125,765,000 |