Call reports 2016
BANK OF THE VALLEY — 2016
What BANK OF THE VALLEY 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 | 176,086,000 | 182,325,000 | 218,444,000 | 221,721,000 |
| Total loans | 150,817,000 | 153,380,000 | 173,090,000 | 174,013,000 |
| Allowance for loan losses | 2,428,000 | 2,579,000 | 2,729,000 | 2,667,000 |
| Securities available for sale | 18,186,000 | 21,167,000 | 30,708,000 | 31,100,000 |
| Securities held to maturity | 0 | 0 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,349,000 | 143,788,000 | 173,275,000 | 173,105,000 |
| Interest-bearing deposits | 118,523,000 | 126,599,000 | 148,829,000 | 147,064,000 |
| Noninterest-bearing deposits | 19,826,000 | 17,189,000 | 24,446,000 | 26,041,000 |
| Equity capital | 16,873,000 | 15,669,000 | 20,763,000 | 19,706,000 |
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 | 1,898,000 | 3,754,000 | 5,922,000 | 8,164,000 |
| Interest expense | 373,000 | 712,000 | 1,094,000 | 1,470,000 |
| Net interest income | 1,525,000 | 3,042,000 | 4,828,000 | 6,694,000 |
| Noninterest income | 87,000 | 172,000 | 325,000 | 479,000 |
| Noninterest expense | 1,107,000 | 2,338,000 | 3,702,000 | 4,956,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 452,000 | 837,000 | 1,287,000 | 1,951,000 |
| Income tax | 129,000 | 239,000 | 359,000 | 554,000 |
| Net income | 323,000 | 598,000 | 928,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,718,000 | 15,172,000 | 18,711,000 | 18,666,000 |
| Total capital | 18,700,000 | 17,204,000 | 21,000,000 | 21,063,000 |
| Risk-weighted assets | 158,174,000 | 162,090,000 | 182,756,000 | 191,505,000 |