Call reports 2015
UNITED VALLEY BANK — 2015
What UNITED VALLEY BANK 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 | 236,585,000 | 241,765,000 | 254,287,000 | 252,579,000 |
| Total loans | 172,780,000 | 180,187,000 | 194,459,000 | 192,151,000 |
| Allowance for loan losses | 2,530,000 | 2,580,000 | 2,667,000 | 2,761,000 |
| Securities available for sale | 41,039,000 | 39,914,000 | 38,071,000 | 38,928,000 |
| Securities held to maturity | 6,716,000 | 6,063,000 | 5,148,000 | 4,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,471,000 | 206,406,000 | 204,568,000 | 220,537,000 |
| Interest-bearing deposits | 150,885,000 | 159,419,000 | 157,290,000 | 153,078,000 |
| Noninterest-bearing deposits | 52,586,000 | 46,987,000 | 47,278,000 | 67,459,000 |
| Equity capital | 23,261,000 | 22,766,000 | 23,098,000 | 22,864,000 |
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 | 2,304,000 | 4,634,000 | 7,055,000 | 9,550,000 |
| Interest expense | 109,000 | 210,000 | 314,000 | 416,000 |
| Net interest income | 2,195,000 | 4,424,000 | 6,741,000 | 9,134,000 |
| Noninterest income | 186,000 | 367,000 | 566,000 | 741,000 |
| Noninterest expense | 1,629,000 | 3,269,000 | 4,985,000 | 7,051,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 330,000 |
| Pretax income | 887,000 | 1,567,000 | 2,281,000 | 2,723,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 887,000 | 1,567,000 | 2,281,000 | 2,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,333,000 | 20,215,000 | 20,327,000 | 20,222,000 |
| Total capital | 22,573,000 | 22,527,000 | 22,830,000 | 22,702,000 |
| Risk-weighted assets | 178,960,000 | 184,673,000 | 200,075,000 | 198,144,000 |