Call reports 2013
UNITED VALLEY BANK — 2013
What UNITED VALLEY BANK 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 | 228,013,000 | 228,658,000 | 229,437,000 | 236,197,000 |
| Total loans | 152,227,000 | 152,894,000 | 157,566,000 | 160,214,000 |
| Allowance for loan losses | 2,739,000 | 2,859,000 | 3,063,000 | 2,033,000 |
| Securities available for sale | 45,314,000 | 47,934,000 | 45,872,000 | 46,678,000 |
| Securities held to maturity | 12,942,000 | 12,032,000 | 11,486,000 | 10,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,393,000 | 200,102,000 | 198,270,000 | 214,159,000 |
| Interest-bearing deposits | 153,541,000 | 152,180,000 | 149,488,000 | 153,348,000 |
| Noninterest-bearing deposits | 48,852,000 | 47,922,000 | 48,782,000 | 60,811,000 |
| Equity capital | 21,806,000 | 20,422,000 | 20,996,000 | 21,062,000 |
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 | 2,196,000 | 4,382,000 | 6,572,000 | 8,779,000 |
| Interest expense | 184,000 | 357,000 | 518,000 | 663,000 |
| Net interest income | 2,012,000 | 4,025,000 | 6,054,000 | 8,116,000 |
| Noninterest income | 182,000 | 401,000 | 592,000 | 703,000 |
| Noninterest expense | 1,431,000 | 2,895,000 | 4,331,000 | 5,915,000 |
| Provision for loan losses | 0 | 0 | 0 | 600,000 |
| Pretax income | 806,000 | 1,574,000 | 2,358,000 | 2,369,000 |
| Income tax | 35,000 | 64,000 | 64,000 | 64,000 |
| Net income | 771,000 | 1,510,000 | 2,294,000 | 2,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,073,000 | 17,847,000 | 18,028,000 | 18,389,000 |
| Total capital | 20,069,000 | 19,840,000 | 20,089,000 | 20,422,000 |
| Risk-weighted assets | 158,901,000 | 158,610,000 | 163,854,000 | 166,617,000 |