Call reports 2012
VALLIANCE BANK — 2012
What VALLIANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 196,262,000 | 209,964,000 | 258,829,000 | 265,595,000 |
| Total loans | 146,901,000 | 146,092,000 | 176,512,000 | 193,210,000 |
| Allowance for loan losses | 1,587,000 | 1,577,000 | 2,677,000 | 2,289,000 |
| Securities available for sale | 31,770,000 | 40,928,000 | 44,802,000 | 31,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,113,000 | 174,181,000 | 217,858,000 | 225,420,000 |
| Interest-bearing deposits | 142,087,000 | 150,757,000 | 184,169,000 | 186,424,000 |
| Noninterest-bearing deposits | 24,026,000 | 23,424,000 | 33,689,000 | 38,996,000 |
| Equity capital | 19,013,000 | 19,578,000 | 27,775,000 | 27,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,392,000 | 4,823,000 | 9,473,000 | 12,391,000 |
| Interest expense | 568,000 | 1,112,000 | 2,068,000 | 2,586,000 |
| Net interest income | 1,824,000 | 3,711,000 | 7,405,000 | 9,805,000 |
| Noninterest income | 55,000 | 97,000 | 198,000 | 287,000 |
| Noninterest expense | 1,382,000 | 2,782,000 | 6,731,000 | 9,081,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 483,000 | 1,013,000 | 850,000 | 1,092,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 483,000 | 1,013,000 | 850,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,764,000 | 19,138,000 | 26,894,000 | 26,579,000 |
| Total capital | 20,351,000 | 20,715,000 | 29,378,000 | 28,868,000 |
| Risk-weighted assets | 142,097,000 | 151,192,000 | 198,513,000 | 214,675,000 |