Call reports 2016
UNITED VALLEY BANK — 2016
What UNITED VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 238,208,000 | 243,586,000 | 249,029,000 | 249,913,000 |
| Total loans | 179,446,000 | 185,028,000 | 188,722,000 | 189,439,000 |
| Allowance for loan losses | 2,796,000 | 2,834,000 | 2,717,000 | 2,825,000 |
| Securities available for sale | 39,608,000 | 40,016,000 | 39,469,000 | 38,194,000 |
| Securities held to maturity | 3,903,000 | 3,766,000 | 4,033,000 | 3,945,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,493,000 | 204,398,000 | 203,924,000 | 211,213,000 |
| Interest-bearing deposits | 158,837,000 | 158,597,000 | 155,145,000 | 158,593,000 |
| Noninterest-bearing deposits | 46,656,000 | 45,801,000 | 48,779,000 | 52,620,000 |
| Equity capital | 23,277,000 | 23,433,000 | 23,503,000 | 22,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 4,791,000 | 7,328,000 | 9,816,000 |
| Interest expense | 105,000 | 219,000 | 338,000 | 453,000 |
| Net interest income | 2,308,000 | 4,572,000 | 6,990,000 | 9,363,000 |
| Noninterest income | 166,000 | 398,000 | 620,000 | 833,000 |
| Noninterest expense | 1,749,000 | 3,442,000 | 5,168,000 | 7,209,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 200,000 |
| Pretax income | 836,000 | 1,609,000 | 2,597,000 | 3,038,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 836,000 | 1,609,000 | 2,597,000 | 3,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,367,000 | 20,163,000 | 20,476,000 | 20,407,000 |
| Total capital | 22,687,000 | 22,564,000 | 22,952,000 | 22,894,000 |
| Risk-weighted assets | 185,127,000 | 191,621,000 | 197,836,000 | 196,698,000 |