Call reports 2013
VALLEY BANK — 2013
What VALLEY 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 | 792,768,000 | 805,589,000 | 795,120,000 | 824,497,000 |
| Total loans | 545,679,000 | 552,727,000 | 557,593,000 | 570,163,000 |
| Allowance for loan losses | 8,270,000 | 8,030,000 | 7,430,000 | 7,200,000 |
| Securities available for sale | 128,364,000 | 153,899,000 | 142,524,000 | 159,861,000 |
| Securities held to maturity | 24,012,000 | 23,954,000 | 23,132,000 | 21,992,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 659,597,000 | 666,902,000 | 649,763,000 | 677,181,000 |
| Interest-bearing deposits | 632,120,000 | 639,782,000 | 623,168,000 | 655,944,000 |
| Noninterest-bearing deposits | 27,477,000 | 27,120,000 | 26,595,000 | 21,237,000 |
| Equity capital | 78,300,000 | 75,258,000 | 75,570,000 | 75,494,000 |
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 | 7,686,000 | 15,511,000 | 23,344,000 | 31,351,000 |
| Interest expense | 1,012,000 | 2,001,000 | 2,894,000 | 3,811,000 |
| Net interest income | 6,674,000 | 13,510,000 | 20,450,000 | 27,540,000 |
| Noninterest income | 1,147,000 | 2,250,000 | 2,966,000 | 3,628,000 |
| Noninterest expense | 5,097,000 | 10,209,000 | 15,371,000 | 21,127,000 |
| Provision for loan losses | 195,000 | 65,000 | -267,000 | -465,000 |
| Pretax income | 2,597,000 | 5,554,000 | 8,395,000 | 10,551,000 |
| Income tax | 790,000 | 1,698,000 | 2,507,000 | 3,166,000 |
| Net income | 1,807,000 | 3,856,000 | 5,888,000 | 7,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,018,000 | 78,467,000 | 78,899,000 | 80,097,000 |
| Total capital | 85,480,000 | 86,075,000 | 86,329,000 | 87,297,000 |
| Risk-weighted assets | 596,157,000 | 608,205,000 | 602,325,000 | 617,551,000 |