Call reports 2014
UNITED VALLEY BANK — 2014
What UNITED VALLEY BANK 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 | 233,649,000 | 230,386,000 | 236,099,000 | 249,622,000 |
| Total loans | 151,190,000 | 153,075,000 | 160,589,000 | 174,669,000 |
| Allowance for loan losses | 2,126,000 | 2,274,000 | 2,333,000 | 2,438,000 |
| Securities available for sale | 56,542,000 | 54,614,000 | 51,663,000 | 50,570,000 |
| Securities held to maturity | 10,125,000 | 9,360,000 | 8,486,000 | 8,145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,823,000 | 201,233,000 | 203,849,000 | 216,685,000 |
| Interest-bearing deposits | 158,258,000 | 152,940,000 | 155,709,000 | 157,968,000 |
| Noninterest-bearing deposits | 51,565,000 | 48,293,000 | 48,140,000 | 58,717,000 |
| Equity capital | 21,717,000 | 22,109,000 | 22,378,000 | 22,375,000 |
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 | 2,164,000 | 4,447,000 | 6,734,000 | 9,086,000 |
| Interest expense | 129,000 | 252,000 | 369,000 | 481,000 |
| Net interest income | 2,035,000 | 4,195,000 | 6,365,000 | 8,605,000 |
| Noninterest income | 181,000 | 573,000 | 817,000 | 1,010,000 |
| Noninterest expense | 1,564,000 | 3,095,000 | 4,661,000 | 6,450,000 |
| Provision for loan losses | 100,000 | 600,000 | 690,000 | 780,000 |
| Pretax income | 559,000 | 1,196,000 | 1,975,000 | 2,531,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 559,000 | 1,196,000 | 1,975,000 | 2,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,714,000 | 18,721,000 | 19,054,000 | 19,030,000 |
| Total capital | 20,731,000 | 20,672,000 | 21,098,000 | 21,237,000 |
| Risk-weighted assets | 161,227,000 | 155,780,000 | 163,196,000 | 176,305,000 |