Call reports 2015
VALLEY VIEW STATE BANK — 2015
What VALLEY VIEW STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 849,526,000 | 838,812,000 | 857,959,000 | 868,081,000 |
| Total loans | 268,073,000 | 274,270,000 | 267,464,000 | 264,787,000 |
| Allowance for loan losses | 5,886,000 | 5,931,000 | 6,053,000 | 6,058,000 |
| Securities available for sale | 454,300,000 | 455,470,000 | 462,168,000 | 483,172,000 |
| Securities held to maturity | 4,683,000 | 4,233,000 | 3,693,000 | 3,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 685,551,000 | 676,876,000 | 680,914,000 | 685,683,000 |
| Interest-bearing deposits | 542,551,000 | 531,407,000 | 532,693,000 | 536,272,000 |
| Noninterest-bearing deposits | 143,000,000 | 145,468,000 | 148,221,000 | 149,411,000 |
| Equity capital | 116,618,000 | 113,323,000 | 117,818,000 | 115,156,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,019,000 | 12,094,000 | 18,244,000 | 24,398,000 |
| Interest expense | 853,000 | 1,624,000 | 2,360,000 | 3,078,000 |
| Net interest income | 5,166,000 | 10,470,000 | 15,884,000 | 21,320,000 |
| Noninterest income | 7,000 | -196,000 | 286,000 | 627,000 |
| Noninterest expense | 3,554,000 | 7,082,000 | 10,814,000 | 14,278,000 |
| Provision for loan losses | 0 | 7,000 | 7,000 | 7,000 |
| Pretax income | 1,619,000 | 3,254,000 | 5,418,000 | 7,731,000 |
| Income tax | 401,000 | 807,000 | 1,411,000 | 2,184,000 |
| Net income | 1,218,000 | 2,447,000 | 4,007,000 | 5,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,772,000 | 113,946,000 | 115,507,000 | 115,935,000 |
| Total capital | 119,220,000 | 119,501,000 | 121,253,000 | 121,661,000 |
| Risk-weighted assets | 435,435,000 | 444,040,000 | 459,402,000 | 457,742,000 |