Call reports 2012
VALLEY BANK AND TRUST CO. — 2012
What VALLEY BANK AND TRUST CO. 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 | 329,062,000 | 320,841,000 | 323,206,000 | 331,272,000 |
| Total loans | 243,901,000 | 243,903,000 | 243,851,000 | 240,814,000 |
| Allowance for loan losses | 3,948,000 | 4,008,000 | 4,226,000 | 3,884,000 |
| Securities available for sale | 37,507,000 | 39,282,000 | 41,076,000 | 38,687,000 |
| Securities held to maturity | 9,643,000 | 5,852,000 | 8,144,000 | 7,939,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,129,000 | 282,676,000 | 284,717,000 | 292,432,000 |
| Interest-bearing deposits | 233,949,000 | 234,090,000 | 231,438,000 | 235,501,000 |
| Noninterest-bearing deposits | 57,180,000 | 48,586,000 | 53,279,000 | 56,931,000 |
| Equity capital | 33,888,000 | 34,503,000 | 34,713,000 | 35,018,000 |
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 | 3,766,000 | 7,416,000 | 11,030,000 | 14,619,000 |
| Interest expense | 563,000 | 1,102,000 | 1,607,000 | 2,085,000 |
| Net interest income | 3,203,000 | 6,314,000 | 9,423,000 | 12,534,000 |
| Noninterest income | 811,000 | 1,674,000 | 2,141,000 | 2,906,000 |
| Noninterest expense | 2,739,000 | 5,333,000 | 7,955,000 | 10,870,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 972,000 | 2,047,000 | 2,701,000 | 3,457,000 |
| Income tax | 231,000 | 567,000 | 770,000 | 897,000 |
| Net income | 741,000 | 1,480,000 | 1,931,000 | 2,560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,362,000 | 30,762,000 | 31,214,000 | 31,584,000 |
| Total capital | 33,539,000 | 34,010,000 | 34,430,000 | 34,774,000 |
| Risk-weighted assets | 253,305,000 | 258,558,000 | 255,625,000 | 254,049,000 |