Call reports 2016
VALLIANCE BANK — 2016
What VALLIANCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 357,159,000 | 366,242,000 | 373,480,000 | 374,488,000 |
| Total loans | 296,313,000 | 308,952,000 | 303,177,000 | 308,923,000 |
| Allowance for loan losses | 2,933,000 | 3,308,000 | 3,172,000 | 3,246,000 |
| Securities available for sale | 37,995,000 | 33,187,000 | 31,239,000 | 29,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,863,000 | 290,827,000 | 301,111,000 | 308,114,000 |
| Interest-bearing deposits | 206,514,000 | 220,277,000 | 219,720,000 | 232,201,000 |
| Noninterest-bearing deposits | 74,349,000 | 70,550,000 | 81,391,000 | 75,914,000 |
| Equity capital | 35,938,000 | 36,441,000 | 37,238,000 | 36,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,975,000 | 7,936,000 | 12,041,000 | 16,135,000 |
| Interest expense | 544,000 | 1,133,000 | 1,733,000 | 2,366,000 |
| Net interest income | 3,431,000 | 6,803,000 | 10,308,000 | 13,769,000 |
| Noninterest income | 265,000 | 533,000 | 1,331,000 | 1,486,000 |
| Noninterest expense | 2,729,000 | 5,576,000 | 8,646,000 | 11,861,000 |
| Provision for loan losses | 463,000 | 688,000 | 880,000 | 973,000 |
| Pretax income | 510,000 | 1,082,000 | 2,123,000 | 2,431,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 510,000 | 1,082,000 | 2,123,000 | 2,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,834,000 | 36,169,000 | 36,970,000 | 37,041,000 |
| Total capital | 38,767,000 | 39,477,000 | 40,142,000 | 40,286,000 |
| Risk-weighted assets | 339,640,000 | 345,697,000 | 320,348,000 | 324,889,000 |