Call reports 2023
VALLIANCE BANK — 2023
What VALLIANCE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 567,252,000 | 595,225,000 | 626,784,000 | 621,957,000 |
| Total loans | 483,986,000 | 512,534,000 | 539,861,000 | 538,031,000 |
| Allowance for loan losses | 5,585,000 | 5,710,000 | 5,820,000 | 5,939,000 |
| Securities available for sale | 44,497,000 | 39,539,000 | 37,531,000 | 39,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 460,598,000 | 488,845,000 | 531,480,000 | 527,548,000 |
| Interest-bearing deposits | 270,262,000 | 320,669,000 | 375,166,000 | 360,924,000 |
| Noninterest-bearing deposits | 190,336,000 | 168,176,000 | 156,314,000 | 166,624,000 |
| Equity capital | 54,021,000 | 55,713,000 | 56,109,000 | 56,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,288,000 | 15,212,000 | 23,832,000 | 33,086,000 |
| Interest expense | 1,635,000 | 3,867,000 | 6,642,000 | 10,053,000 |
| Net interest income | 5,653,000 | 11,345,000 | 17,190,000 | 23,033,000 |
| Noninterest income | 491,000 | 1,441,000 | 1,932,000 | 2,445,000 |
| Noninterest expense | 4,172,000 | 8,739,000 | 13,567,000 | 18,181,000 |
| Provision for loan losses | -100,000 | -345,000 | -185,000 | 2,419,000 |
| Pretax income | 2,062,000 | 4,137,000 | 5,465,000 | 4,686,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,062,000 | 4,137,000 | 5,465,000 | 4,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,774,000 | 60,702,000 | 62,029,000 | 60,841,000 |