Call reports 2013
VALLEY COMMUNITY BANK — 2013
What VALLEY COMMUNITY 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 | 156,455,000 | 143,587,000 | 146,648,000 | 138,445,000 |
| Total loans | 108,275,000 | 104,348,000 | 102,850,000 | 91,161,000 |
| Allowance for loan losses | 5,354,000 | 5,139,000 | 4,506,000 | 4,571,000 |
| Securities available for sale | 23,411,000 | 25,507,000 | 26,331,000 | 25,362,000 |
| Securities held to maturity | 13,000 | 3,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,167,000 | 125,707,000 | 128,865,000 | 120,586,000 |
| Interest-bearing deposits | 100,657,000 | 91,392,000 | 88,790,000 | 82,830,000 |
| Noninterest-bearing deposits | 37,510,000 | 34,315,000 | 40,076,000 | 37,756,000 |
| Equity capital | 16,360,000 | 15,919,000 | 15,799,000 | 15,752,000 |
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 | 1,561,000 | 3,060,000 | 4,589,000 | 6,060,000 |
| Interest expense | 144,000 | 270,000 | 388,000 | 489,000 |
| Net interest income | 1,417,000 | 2,790,000 | 4,201,000 | 5,571,000 |
| Noninterest income | 490,000 | 814,000 | 1,106,000 | 1,612,000 |
| Noninterest expense | 1,704,000 | 3,650,000 | 5,382,000 | 7,336,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 53,000 | -246,000 | -275,000 | -353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 53,000 | -246,000 | -275,000 | -353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,149,000 | 15,844,000 | 15,833,000 | 15,771,000 |
| Total capital | 17,626,000 | 17,287,000 | 17,212,000 | 17,024,000 |
| Risk-weighted assets | 117,951,000 | 112,253,000 | 108,295,000 | 97,028,000 |