Call reports 2012
VALLEY BANK — 2012
What VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 780,553,000 | 795,544,000 | 784,564,000 | 763,784,000 |
| Total loans | 514,456,000 | 531,166,000 | 541,771,000 | 541,756,000 |
| Allowance for loan losses | 9,287,000 | 8,991,000 | 8,548,000 | 8,060,000 |
| Securities available for sale | 168,176,000 | 154,454,000 | 142,867,000 | 124,220,000 |
| Securities held to maturity | 28,130,000 | 27,069,000 | 26,475,000 | 26,252,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 643,516,000 | 666,041,000 | 621,173,000 | 622,677,000 |
| Interest-bearing deposits | 622,641,000 | 647,855,000 | 603,169,000 | 598,388,000 |
| Noninterest-bearing deposits | 20,875,000 | 18,186,000 | 18,004,000 | 24,289,000 |
| Equity capital | 73,595,000 | 76,104,000 | 78,529,000 | 78,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,954,000 | 15,978,000 | 23,881,000 | 31,694,000 |
| Interest expense | 1,633,000 | 3,068,000 | 4,414,000 | 5,681,000 |
| Net interest income | 6,321,000 | 12,910,000 | 19,467,000 | 26,013,000 |
| Noninterest income | 915,000 | 1,880,000 | 2,658,000 | 2,293,000 |
| Noninterest expense | 4,718,000 | 9,444,000 | 14,299,000 | 19,410,000 |
| Provision for loan losses | 0 | -53,000 | -53,000 | 398,000 |
| Pretax income | 2,558,000 | 5,439,000 | 8,037,000 | 9,689,000 |
| Income tax | 785,000 | 1,677,000 | 2,473,000 | 2,762,000 |
| Net income | 1,773,000 | 3,762,000 | 5,564,000 | 6,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,658,000 | 74,648,000 | 76,449,000 | 77,812,000 |
| Total capital | 79,833,000 | 81,950,000 | 83,885,000 | 85,185,000 |
| Risk-weighted assets | 571,860,000 | 582,466,000 | 593,743,000 | 589,173,000 |