Call reports 2013
VALLIANCE BANK — 2013
What VALLIANCE BANK 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 | 269,298,000 | 272,348,000 | 284,530,000 | 316,996,000 |
| Total loans | 191,441,000 | 196,404,000 | 211,724,000 | 223,210,000 |
| Allowance for loan losses | 2,241,000 | 2,326,000 | 2,316,000 | 2,413,000 |
| Securities available for sale | 39,659,000 | 45,784,000 | 34,375,000 | 39,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,022,000 | 222,335,000 | 234,121,000 | 267,006,000 |
| Interest-bearing deposits | 187,656,000 | 188,749,000 | 192,716,000 | 205,861,000 |
| Noninterest-bearing deposits | 31,366,000 | 33,586,000 | 41,405,000 | 61,145,000 |
| Equity capital | 27,235,000 | 26,781,000 | 26,866,000 | 26,460,000 |
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 | 3,024,000 | 6,107,000 | 9,322,000 | 12,646,000 |
| Interest expense | 491,000 | 955,000 | 1,401,000 | 1,908,000 |
| Net interest income | 2,533,000 | 5,152,000 | 7,921,000 | 10,738,000 |
| Noninterest income | 112,000 | 214,000 | 330,000 | 465,000 |
| Noninterest expense | 2,118,000 | 4,129,000 | 6,231,000 | 9,004,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 100,000 |
| Pretax income | 529,000 | 1,239,000 | 2,088,000 | 2,192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 529,000 | 1,239,000 | 2,088,000 | 2,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,624,000 | 27,194,000 | 27,903,000 | 27,714,000 |
| Total capital | 28,865,000 | 29,520,000 | 30,220,000 | 30,127,000 |
| Risk-weighted assets | 216,739,000 | 222,456,000 | 237,410,000 | 254,169,000 |