Call reports 2011
VALLIANCE BANK — 2011
What VALLIANCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 187,601,000 | 203,210,000 | 204,207,000 | 196,236,000 |
| Total loans | 153,206,000 | 158,251,000 | 150,873,000 | 151,284,000 |
| Allowance for loan losses | 1,496,000 | 1,677,000 | 1,560,000 | 1,587,000 |
| Securities available for sale | 18,670,000 | 19,855,000 | 31,949,000 | 32,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,228,000 | 174,489,000 | 175,003,000 | 166,661,000 |
| Interest-bearing deposits | 143,604,000 | 157,442,000 | 149,455,000 | 143,684,000 |
| Noninterest-bearing deposits | 15,624,000 | 17,047,000 | 25,548,000 | 22,976,000 |
| Equity capital | 17,139,000 | 17,599,000 | 18,045,000 | 18,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,372,000 | 4,752,000 | 7,232,000 | 9,729,000 |
| Interest expense | 675,000 | 1,330,000 | 2,035,000 | 2,665,000 |
| Net interest income | 1,697,000 | 3,422,000 | 5,197,000 | 7,064,000 |
| Noninterest income | -174,000 | -106,000 | -71,000 | -38,000 |
| Noninterest expense | 1,335,000 | 2,693,000 | 4,160,000 | 5,446,000 |
| Provision for loan losses | 89,000 | 270,000 | 270,000 | 270,000 |
| Pretax income | 99,000 | 362,000 | 856,000 | 1,472,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 362,000 | 856,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,167,000 | 17,368,000 | 17,799,000 | 18,351,000 |
| Total capital | 18,663,000 | 19,045,000 | 19,359,000 | 19,938,000 |
| Risk-weighted assets | 137,260,000 | 140,406,000 | 138,300,000 | 140,038,000 |