Call reports 2014
VALLEY COMMUNITY BANK — 2014
What VALLEY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 138,911,000 | 134,482,000 | 130,286,000 | 126,393,000 |
| Total loans | 85,323,000 | 83,604,000 | 81,829,000 | 77,493,000 |
| Allowance for loan losses | 4,679,000 | 4,706,000 | 4,358,000 | 4,262,000 |
| Securities available for sale | 24,647,000 | 26,809,000 | 25,015,000 | 24,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,694,000 | 116,315,000 | 112,086,000 | 108,883,000 |
| Interest-bearing deposits | 84,366,000 | 79,945,000 | 76,822,000 | 75,290,000 |
| Noninterest-bearing deposits | 36,327,000 | 36,371,000 | 35,264,000 | 33,593,000 |
| Equity capital | 16,179,000 | 15,956,000 | 15,895,000 | 15,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 2,945,000 | 4,290,000 | 5,564,000 |
| Interest expense | 93,000 | 183,000 | 267,000 | 346,000 |
| Net interest income | 1,586,000 | 2,762,000 | 4,023,000 | 5,218,000 |
| Noninterest income | 314,000 | 579,000 | 996,000 | 1,287,000 |
| Noninterest expense | 1,503,000 | 3,204,000 | 4,911,000 | 7,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 397,000 | 137,000 | 108,000 | -509,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 397,000 | 137,000 | 108,000 | -509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,182,000 | 15,993,000 | 15,933,000 | 15,335,000 |
| Total capital | 17,405,000 | 17,230,000 | 17,114,000 | 16,444,000 |
| Risk-weighted assets | 94,228,000 | 95,403,000 | 91,489,000 | 85,622,000 |