Call reports 2020
VALLIANCE BANK — 2020
What VALLIANCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 455,256,000 | 541,271,000 | 567,477,000 | 564,386,000 |
| Total loans | 391,696,000 | 460,784,000 | 457,439,000 | 423,649,000 |
| Allowance for loan losses | 2,098,000 | 2,689,000 | 3,381,000 | 3,366,000 |
| Securities available for sale | 17,603,000 | 16,706,000 | 19,318,000 | 26,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,177,000 | 406,656,000 | 432,027,000 | 464,375,000 |
| Interest-bearing deposits | 258,201,000 | 250,623,000 | 231,991,000 | 254,039,000 |
| Noninterest-bearing deposits | 105,976,000 | 156,032,000 | 200,035,000 | 210,336,000 |
| Equity capital | 46,917,000 | 47,937,000 | 49,240,000 | 50,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,609,000 | 11,222,000 | 17,235,000 | 23,474,000 |
| Interest expense | 1,282,000 | 2,292,000 | 3,180,000 | 3,915,000 |
| Net interest income | 4,327,000 | 8,930,000 | 14,055,000 | 19,559,000 |
| Noninterest income | 229,000 | 478,000 | 748,000 | 979,000 |
| Noninterest expense | 3,523,000 | 6,928,000 | 10,221,000 | 13,951,000 |
| Provision for loan losses | 375,000 | 965,000 | 1,655,000 | 2,570,000 |
| Pretax income | 739,000 | 1,596,000 | 3,008,000 | 4,098,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 739,000 | 1,596,000 | 3,008,000 | 4,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,982,000 | 47,568,000 | 48,832,000 | 49,775,000 |