Call reports 2019
VALLIANCE BANK — 2019
What VALLIANCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 441,662,000 | 441,368,000 | 456,791,000 | 453,900,000 |
| Total loans | 376,072,000 | 379,432,000 | 393,592,000 | 391,335,000 |
| Allowance for loan losses | 1,902,000 | 1,896,000 | 1,921,000 | 1,717,000 |
| Securities available for sale | 34,780,000 | 34,758,000 | 33,847,000 | 33,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,346,000 | 379,883,000 | 400,550,000 | 387,496,000 |
| Interest-bearing deposits | 268,756,000 | 271,234,000 | 280,825,000 | 286,364,000 |
| Noninterest-bearing deposits | 111,591,000 | 108,648,000 | 119,726,000 | 101,132,000 |
| Equity capital | 39,351,000 | 40,286,000 | 41,333,000 | 41,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,390,000 | 10,837,000 | 16,403,000 | 22,133,000 |
| Interest expense | 1,363,000 | 2,799,000 | 4,258,000 | 5,661,000 |
| Net interest income | 4,027,000 | 8,038,000 | 12,145,000 | 16,472,000 |
| Noninterest income | 228,000 | 447,000 | 656,000 | 859,000 |
| Noninterest expense | 3,410,000 | 6,842,000 | 10,176,000 | 13,734,000 |
| Provision for loan losses | 145,000 | 234,000 | 289,000 | 965,000 |
| Pretax income | 700,000 | 1,409,000 | 2,337,000 | 2,633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 700,000 | 1,409,000 | 2,337,000 | 2,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,918,000 | 40,374,000 | 41,288,000 | 41,557,000 |
| Total capital | 41,820,000 | 42,270,000 | 43,209,000 | 43,274,000 |
| Risk-weighted assets | 391,543,000 | 388,717,000 | 406,551,000 | 401,690,000 |