Call reports 2015
BANK OF THE VALLEY — 2015
What BANK OF THE VALLEY 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 | 156,663,000 | 160,624,000 | 169,209,000 | 175,119,000 |
| Total loans | 130,409,000 | 138,396,000 | 143,256,000 | 144,755,000 |
| Allowance for loan losses | 1,964,000 | 2,085,000 | 2,206,000 | 2,290,000 |
| Securities available for sale | 18,894,000 | 16,958,000 | 16,007,000 | 19,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,683,000 | 128,737,000 | 132,652,000 | 139,123,000 |
| Interest-bearing deposits | 104,887,000 | 114,905,000 | 116,746,000 | 119,691,000 |
| Noninterest-bearing deposits | 15,796,000 | 13,832,000 | 15,906,000 | 19,432,000 |
| Equity capital | 14,574,000 | 14,744,000 | 15,273,000 | 15,540,000 |
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 | 1,605,000 | 3,352,000 | 5,162,000 | 7,055,000 |
| Interest expense | 264,000 | 571,000 | 883,000 | 1,227,000 |
| Net interest income | 1,341,000 | 2,781,000 | 4,279,000 | 5,828,000 |
| Noninterest income | 74,000 | 168,000 | 260,000 | 341,000 |
| Noninterest expense | 837,000 | 1,660,000 | 2,615,000 | 3,748,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 440,000 |
| Pretax income | 465,000 | 1,096,000 | 1,644,000 | 2,080,000 |
| Income tax | 140,000 | 338,000 | 508,000 | 635,000 |
| Net income | 325,000 | 758,000 | 1,136,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,446,000 | 14,608,000 | 15,273,000 | 15,361,000 |
| Total capital | 16,231,000 | 16,412,000 | 17,161,000 | 17,329,000 |
| Risk-weighted assets | 142,872,000 | 144,091,000 | 150,693,000 | 157,018,000 |