Call reports 2015
VALLIANCE BANK — 2015
What VALLIANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 328,001,000 | 323,773,000 | 330,450,000 | 346,114,000 |
| Total loans | 239,347,000 | 251,044,000 | 267,462,000 | 279,769,000 |
| Allowance for loan losses | 2,693,000 | 2,698,000 | 2,698,000 | 2,770,000 |
| Securities available for sale | 45,761,000 | 45,498,000 | 41,075,000 | 44,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,204,000 | 275,309,000 | 275,595,000 | 284,141,000 |
| Interest-bearing deposits | 207,906,000 | 206,477,000 | 204,168,000 | 207,008,000 |
| Noninterest-bearing deposits | 72,298,000 | 68,833,000 | 71,428,000 | 77,133,000 |
| Equity capital | 34,340,000 | 34,738,000 | 35,991,000 | 36,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,479,000 | 6,981,000 | 10,749,000 | 14,624,000 |
| Interest expense | 504,000 | 1,033,000 | 1,548,000 | 2,073,000 |
| Net interest income | 2,975,000 | 5,948,000 | 9,201,000 | 12,551,000 |
| Noninterest income | 182,000 | 474,000 | 1,157,000 | 1,411,000 |
| Noninterest expense | 2,460,000 | 5,002,000 | 7,566,000 | 10,246,000 |
| Provision for loan losses | 0 | 0 | 0 | 186,000 |
| Pretax income | 745,000 | 1,469,000 | 2,841,000 | 3,581,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 745,000 | 1,469,000 | 2,841,000 | 3,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,219,000 | 34,802,000 | 36,036,000 | 36,636,000 |
| Total capital | 36,912,000 | 37,500,000 | 38,734,000 | 39,406,000 |
| Risk-weighted assets | 282,976,000 | 297,312,000 | 314,872,000 | 328,415,000 |