Call reports 2018
VALLIANCE BANK — 2018
What VALLIANCE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 416,758,000 | 434,020,000 | 455,858,000 | 421,968,000 |
| Total loans | 351,393,000 | 359,310,000 | 356,471,000 | 355,828,000 |
| Allowance for loan losses | 1,846,000 | 2,071,000 | 2,134,000 | 1,757,000 |
| Securities available for sale | 32,153,000 | 33,425,000 | 33,717,000 | 34,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,471,000 | 376,698,000 | 407,719,000 | 332,585,000 |
| Interest-bearing deposits | 239,815,000 | 229,168,000 | 231,022,000 | 232,383,000 |
| Noninterest-bearing deposits | 124,656,000 | 147,530,000 | 176,697,000 | 100,203,000 |
| Equity capital | 36,609,000 | 38,174,000 | 38,642,000 | 39,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,803,000 | 9,849,000 | 15,035,000 | 20,245,000 |
| Interest expense | 773,000 | 1,552,000 | 2,453,000 | 3,602,000 |
| Net interest income | 4,030,000 | 8,297,000 | 12,582,000 | 16,643,000 |
| Noninterest income | 201,000 | 446,000 | 681,000 | 920,000 |
| Noninterest expense | 3,282,000 | 6,683,000 | 10,151,000 | 13,572,000 |
| Provision for loan losses | 171,000 | 396,000 | 541,000 | 711,000 |
| Pretax income | 778,000 | 1,664,000 | 2,571,000 | 3,280,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 778,000 | 1,664,000 | 2,571,000 | 3,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,679,000 | 39,327,000 | 39,996,000 | 40,454,000 |
| Total capital | 39,526,000 | 41,399,000 | 42,130,000 | 42,211,000 |
| Risk-weighted assets | 370,964,000 | 377,436,000 | 372,546,000 | 369,662,000 |