Call reports 2014
VALLEY VIEW STATE BANK — 2014
What VALLEY VIEW STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 839,330,000 | 844,225,000 | 841,880,000 | 830,447,000 |
| Total loans | 300,592,000 | 297,559,000 | 294,166,000 | 284,611,000 |
| Allowance for loan losses | 5,898,000 | 5,918,000 | 5,980,000 | 5,899,000 |
| Securities available for sale | 421,098,000 | 426,470,000 | 429,310,000 | 446,797,000 |
| Securities held to maturity | 5,018,000 | 5,683,000 | 5,210,000 | 4,917,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 689,109,000 | 689,529,000 | 678,136,000 | 670,147,000 |
| Interest-bearing deposits | 564,136,000 | 553,179,000 | 544,601,000 | 535,796,000 |
| Noninterest-bearing deposits | 124,973,000 | 136,350,000 | 133,535,000 | 134,351,000 |
| Equity capital | 105,352,000 | 109,366,000 | 109,994,000 | 112,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,472,000 | 12,923,000 | 19,277,000 | 25,423,000 |
| Interest expense | 1,037,000 | 2,041,000 | 3,030,000 | 3,967,000 |
| Net interest income | 5,435,000 | 10,882,000 | 16,247,000 | 21,456,000 |
| Noninterest income | -202,000 | -360,000 | -570,000 | -949,000 |
| Noninterest expense | 3,776,000 | 7,358,000 | 10,906,000 | 14,652,000 |
| Provision for loan losses | 150,000 | 226,000 | 278,000 | 281,000 |
| Pretax income | 1,307,000 | 2,938,000 | 4,493,000 | 5,624,000 |
| Income tax | 297,000 | 685,000 | 1,046,000 | 1,272,000 |
| Net income | 1,010,000 | 2,253,000 | 3,447,000 | 4,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,745,000 | 107,032,000 | 110,310,000 | 109,805,000 |
| Total capital | 113,430,000 | 112,605,000 | 115,932,000 | 115,201,000 |
| Risk-weighted assets | 454,263,000 | 445,508,000 | 449,362,000 | 431,111,000 |