Call reports 2014
VALLEY BANK — 2014
What VALLEY 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 | 867,835,000 | 886,215,000 | 856,606,000 | 900,562,000 |
| Total loans | 584,647,000 | 602,323,000 | 606,431,000 | 618,162,000 |
| Allowance for loan losses | 6,425,000 | 6,640,000 | 6,535,000 | 6,500,000 |
| Securities available for sale | 180,654,000 | 197,083,000 | 184,336,000 | 177,737,000 |
| Securities held to maturity | 21,507,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 698,180,000 | 708,282,000 | 682,201,000 | 717,720,000 |
| Interest-bearing deposits | 674,901,000 | 674,297,000 | 649,791,000 | 690,638,000 |
| Noninterest-bearing deposits | 23,279,000 | 33,985,000 | 32,410,000 | 27,082,000 |
| Equity capital | 78,533,000 | 81,851,000 | 83,848,000 | 86,165,000 |
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 | 8,008,000 | 16,123,000 | 24,207,000 | 32,317,000 |
| Interest expense | 861,000 | 1,741,000 | 2,624,000 | 3,506,000 |
| Net interest income | 7,147,000 | 14,382,000 | 21,583,000 | 28,811,000 |
| Noninterest income | 1,061,000 | 2,391,000 | 3,356,000 | 4,374,000 |
| Noninterest expense | 5,233,000 | 10,646,000 | 16,036,000 | 21,468,000 |
| Provision for loan losses | 431,000 | 1,471,000 | 1,328,000 | 1,282,000 |
| Pretax income | 2,551,000 | 5,377,000 | 8,305,000 | 11,165,000 |
| Income tax | 760,000 | 1,615,000 | 2,475,000 | 3,324,000 |
| Net income | 1,791,000 | 3,762,000 | 5,830,000 | 7,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,387,000 | 83,008,000 | 85,077,000 | 86,637,000 |
| Total capital | 87,812,000 | 89,648,000 | 91,612,000 | 93,137,000 |
| Risk-weighted assets | 629,976,000 | 631,890,000 | 634,425,000 | 640,963,000 |