Call reports 2013
BANK OF THE VALLEY — 2013
What BANK OF THE VALLEY 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 | 115,412,000 | 122,346,000 | 127,868,000 | 133,219,000 |
| Total loans | 91,549,000 | 98,572,000 | 104,742,000 | 106,132,000 |
| Allowance for loan losses | 1,294,000 | 1,378,000 | 1,430,000 | 1,473,000 |
| Securities available for sale | 18,670,000 | 17,109,000 | 16,288,000 | 17,130,000 |
| Securities held to maturity | 360,000 | 290,000 | 290,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,152,000 | 99,331,000 | 105,685,000 | 107,428,000 |
| Interest-bearing deposits | 77,821,000 | 82,721,000 | 90,761,000 | 88,541,000 |
| Noninterest-bearing deposits | 17,331,000 | 16,611,000 | 14,924,000 | 18,888,000 |
| Equity capital | 10,651,000 | 10,528,000 | 10,901,000 | 11,028,000 |
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 | 1,184,000 | 2,475,000 | 3,847,000 | 5,268,000 |
| Interest expense | 204,000 | 410,000 | 612,000 | 828,000 |
| Net interest income | 980,000 | 2,065,000 | 3,235,000 | 4,440,000 |
| Noninterest income | 58,000 | 116,000 | 188,000 | 263,000 |
| Noninterest expense | 629,000 | 1,258,000 | 1,936,000 | 2,732,000 |
| Provision for loan losses | 38,000 | 118,000 | 172,000 | 208,000 |
| Pretax income | 412,000 | 846,000 | 1,356,000 | 1,801,000 |
| Income tax | 126,000 | 256,000 | 417,000 | 553,000 |
| Net income | 286,000 | 590,000 | 939,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,744,000 | 11,056,000 | 11,413,000 | 11,565,000 |
| Total capital | 11,930,000 | 12,342,000 | 12,819,000 | 13,024,000 |
| Risk-weighted assets | 97,699,000 | 102,836,000 | 112,468,000 | 116,720,000 |