Call reports 2015
VALLEY BANK AND TRUST CO. — 2015
What VALLEY BANK AND TRUST CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 343,550,000 | 369,216,000 | 352,841,000 | 360,156,000 |
| Total loans | 252,717,000 | 259,923,000 | 261,343,000 | 260,832,000 |
| Allowance for loan losses | 3,335,000 | 3,311,000 | 3,295,000 | 4,645,000 |
| Securities available for sale | 36,838,000 | 35,633,000 | 30,225,000 | 28,683,000 |
| Securities held to maturity | 12,172,000 | 12,012,000 | 12,869,000 | 7,905,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,901,000 | 331,614,000 | 314,725,000 | 323,384,000 |
| Interest-bearing deposits | 246,015,000 | 249,543,000 | 249,369,000 | 247,005,000 |
| Noninterest-bearing deposits | 60,886,000 | 82,071,000 | 65,356,000 | 76,379,000 |
| Equity capital | 35,707,000 | 36,303,000 | 36,681,000 | 35,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,287,000 | 6,689,000 | 10,111,000 | 13,469,000 |
| Interest expense | 379,000 | 773,000 | 1,166,000 | 1,561,000 |
| Net interest income | 2,908,000 | 5,916,000 | 8,945,000 | 11,908,000 |
| Noninterest income | 836,000 | 3,198,000 | 2,347,000 | 3,023,000 |
| Noninterest expense | 3,156,000 | 7,179,000 | 9,272,000 | 12,938,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 1,500,000 |
| Pretax income | 588,000 | 1,935,000 | 1,870,000 | 491,000 |
| Income tax | 128,000 | 514,000 | 399,000 | -97,000 |
| Net income | 460,000 | 1,421,000 | 1,994,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,605,000 | 33,986,000 | 34,366,000 | 33,202,000 |
| Total capital | 35,940,000 | 37,297,000 | 37,661,000 | 36,753,000 |
| Risk-weighted assets | 268,040,000 | 287,427,000 | 282,059,000 | 283,024,000 |