Call reports 2014
VALLEY BANK AND TRUST CO. — 2014
What VALLEY BANK AND TRUST CO. 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 | 351,349,000 | 339,637,000 | 335,207,000 | 335,716,000 |
| Total loans | 253,309,000 | 250,621,000 | 249,629,000 | 252,833,000 |
| Allowance for loan losses | 4,058,000 | 3,928,000 | 3,893,000 | 3,336,000 |
| Securities available for sale | 37,805,000 | 37,712,000 | 37,960,000 | 35,326,000 |
| Securities held to maturity | 13,195,000 | 12,972,000 | 12,903,000 | 12,409,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,701,000 | 302,788,000 | 297,883,000 | 298,313,000 |
| Interest-bearing deposits | 246,745,000 | 239,949,000 | 244,949,000 | 241,137,000 |
| Noninterest-bearing deposits | 66,956,000 | 62,839,000 | 52,934,000 | 57,176,000 |
| Equity capital | 36,352,000 | 35,805,000 | 36,252,000 | 35,781,000 |
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 | 3,480,000 | 6,872,000 | 10,282,000 | 13,738,000 |
| Interest expense | 401,000 | 804,000 | 1,200,000 | 1,594,000 |
| Net interest income | 3,079,000 | 6,068,000 | 9,082,000 | 12,144,000 |
| Noninterest income | 972,000 | 1,754,000 | 2,707,000 | 3,094,000 |
| Noninterest expense | 3,151,000 | 6,422,000 | 9,588,000 | 14,098,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 900,000 | 1,397,000 | 2,209,000 | 1,664,000 |
| Income tax | 233,000 | 374,000 | 575,000 | 275,000 |
| Net income | 667,000 | 1,023,000 | 1,634,000 | 1,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,508,000 | 32,951,000 | 33,362,000 | 32,907,000 |
| Total capital | 36,850,000 | 36,269,000 | 36,672,000 | 36,243,000 |
| Risk-weighted assets | 266,673,000 | 264,827,000 | 264,212,000 | 269,124,000 |