Call reports 2013
VALLEY BANK AND TRUST CO. — 2013
What VALLEY BANK AND TRUST CO. 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 | 335,850,000 | 325,677,000 | 339,549,000 | 343,928,000 |
| Total loans | 238,430,000 | 245,293,000 | 254,871,000 | 259,510,000 |
| Allowance for loan losses | 3,957,000 | 4,006,000 | 4,019,000 | 4,068,000 |
| Securities available for sale | 37,285,000 | 40,970,000 | 41,832,000 | 38,056,000 |
| Securities held to maturity | 10,300,000 | 9,486,000 | 9,419,000 | 13,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,327,000 | 285,620,000 | 283,083,000 | 301,468,000 |
| Interest-bearing deposits | 238,041,000 | 233,777,000 | 230,882,000 | 244,355,000 |
| Noninterest-bearing deposits | 59,286,000 | 51,843,000 | 52,201,000 | 57,113,000 |
| Equity capital | 35,149,000 | 34,892,000 | 35,402,000 | 35,910,000 |
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 | 3,431,000 | 6,907,000 | 10,446,000 | 14,294,000 |
| Interest expense | 447,000 | 874,000 | 1,301,000 | 1,715,000 |
| Net interest income | 2,984,000 | 6,033,000 | 9,145,000 | 12,579,000 |
| Noninterest income | 785,000 | 1,741,000 | 2,733,000 | 3,543,000 |
| Noninterest expense | 2,984,000 | 6,048,000 | 9,218,000 | 13,065,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | -550,000 |
| Pretax income | 676,000 | 1,598,000 | 2,535,000 | 3,685,000 |
| Income tax | 118,000 | 437,000 | 676,000 | 1,064,000 |
| Net income | 558,000 | 1,161,000 | 1,859,000 | 2,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,810,000 | 31,858,000 | 32,439,000 | 33,200,000 |
| Total capital | 34,958,000 | 35,129,000 | 35,849,000 | 36,580,000 |
| Risk-weighted assets | 251,008,000 | 260,980,000 | 272,176,000 | 269,680,000 |