Call reports 2013
VALLEY VIEW STATE BANK — 2013
What VALLEY VIEW STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 876,295,000 | 859,915,000 | 861,153,000 | 819,966,000 |
| Total loans | 315,921,000 | 296,175,000 | 299,669,000 | 294,273,000 |
| Allowance for loan losses | 8,228,000 | 8,584,000 | 7,233,000 | 5,758,000 |
| Securities available for sale | 410,491,000 | 436,566,000 | 447,402,000 | 427,665,000 |
| Securities held to maturity | 9,987,000 | 9,103,000 | 6,721,000 | 5,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 713,696,000 | 707,405,000 | 701,310,000 | 674,331,000 |
| Interest-bearing deposits | 595,674,000 | 588,598,000 | 579,105,000 | 555,209,000 |
| Noninterest-bearing deposits | 118,021,000 | 118,807,000 | 122,206,000 | 119,122,000 |
| Equity capital | 112,674,000 | 104,267,000 | 103,160,000 | 100,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,425,000 | 12,639,000 | 19,164,000 | 25,730,000 |
| Interest expense | 1,382,000 | 2,646,000 | 3,850,000 | 4,961,000 |
| Net interest income | 5,043,000 | 9,993,000 | 15,314,000 | 20,769,000 |
| Noninterest income | -338,000 | -954,000 | -466,000 | -488,000 |
| Noninterest expense | 3,918,000 | 7,691,000 | 11,537,000 | 15,804,000 |
| Provision for loan losses | 251,000 | 651,000 | 2,008,000 | 2,264,000 |
| Pretax income | 554,000 | 715,000 | 1,322,000 | 2,233,000 |
| Income tax | -36,000 | -169,000 | -172,000 | -1,000 |
| Net income | 590,000 | 884,000 | 1,494,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,363,000 | 101,103,000 | 100,489,000 | 98,552,000 |
| Total capital | 114,231,000 | 106,822,000 | 106,322,000 | 104,396,000 |
| Risk-weighted assets | 467,110,000 | 454,604,000 | 465,244,000 | 467,145,000 |