Call reports 2014
VALLIANCE BANK — 2014
What VALLIANCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 315,188,000 | 305,705,000 | 325,753,000 | 320,645,000 |
| Total loans | 227,429,000 | 224,408,000 | 236,875,000 | 243,715,000 |
| Allowance for loan losses | 2,751,000 | 2,751,000 | 2,702,000 | 2,702,000 |
| Securities available for sale | 51,557,000 | 51,320,000 | 49,847,000 | 50,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,044,000 | 253,897,000 | 278,713,000 | 263,009,000 |
| Interest-bearing deposits | 207,619,000 | 204,559,000 | 205,935,000 | 203,643,000 |
| Noninterest-bearing deposits | 54,425,000 | 49,337,000 | 72,777,000 | 59,367,000 |
| Equity capital | 29,896,000 | 32,847,000 | 33,637,000 | 34,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,463,000 | 7,108,000 | 10,662,000 | 14,249,000 |
| Interest expense | 506,000 | 1,008,000 | 1,525,000 | 2,038,000 |
| Net interest income | 2,957,000 | 6,100,000 | 9,137,000 | 12,211,000 |
| Noninterest income | 191,000 | 701,000 | 969,000 | 1,214,000 |
| Noninterest expense | 2,312,000 | 4,431,000 | 6,736,000 | 9,236,000 |
| Provision for loan losses | 375,000 | 375,000 | 375,000 | 375,000 |
| Pretax income | 461,000 | 2,001,000 | 3,002,000 | 3,829,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 461,000 | 2,001,000 | 3,002,000 | 3,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,813,000 | 33,213,000 | 34,074,000 | 34,762,000 |
| Total capital | 33,564,000 | 35,964,000 | 36,776,000 | 37,464,000 |
| Risk-weighted assets | 258,925,000 | 249,603,000 | 265,002,000 | 270,182,000 |