Call reports 2022
VALLIANCE BANK — 2022
What VALLIANCE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 587,277,000 | 551,349,000 | 587,739,000 | 560,988,000 |
| Total loans | 434,392,000 | 428,615,000 | 462,428,000 | 476,193,000 |
| Allowance for loan losses | 5,375,000 | 5,387,000 | 5,537,000 | 5,979,000 |
| Securities available for sale | 36,921,000 | 46,534,000 | 48,144,000 | 47,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,664,000 | 467,412,000 | 496,568,000 | 447,494,000 |
| Interest-bearing deposits | 281,453,000 | 265,615,000 | 291,607,000 | 258,723,000 |
| Noninterest-bearing deposits | 210,211,000 | 201,797,000 | 204,961,000 | 188,770,000 |
| Equity capital | 50,494,000 | 49,147,000 | 50,819,000 | 53,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,458,000 | 11,235,000 | 17,936,000 | 25,067,000 |
| Interest expense | 484,000 | 979,000 | 1,771,000 | 2,832,000 |
| Net interest income | 4,974,000 | 10,256,000 | 16,165,000 | 22,235,000 |
| Noninterest income | 444,000 | 1,054,000 | 1,494,000 | 1,935,000 |
| Noninterest expense | 3,929,000 | 8,534,000 | 12,684,000 | 16,930,000 |
| Provision for loan losses | 0 | 0 | -400,000 | -400,000 |
| Pretax income | 1,489,000 | 2,776,000 | 5,375,000 | 7,640,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,489,000 | 2,776,000 | 5,375,000 | 7,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,764,000 | 53,583,000 | 56,034,000 | 58,153,000 |