Call reports 2015
VALLEY BANK — 2015
What VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 853,331,000 | 843,584,000 |
| Total loans | 627,632,000 | 627,706,000 |
| Allowance for loan losses | 6,500,000 | 3,700,000 |
| Securities available for sale | 159,031,000 | 152,125,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 683,369,000 | 647,180,000 |
| Interest-bearing deposits | 654,705,000 | 619,730,000 |
| Noninterest-bearing deposits | 28,664,000 | 27,450,000 |
| Equity capital | 88,987,000 | 81,714,000 |
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 |
|---|---|---|
| Interest income | 7,980,000 | 16,004,000 |
| Interest expense | 872,000 | 1,732,000 |
| Net interest income | 7,108,000 | 14,272,000 |
| Noninterest income | 1,228,000 | -1,817,000 |
| Noninterest expense | 5,328,000 | 17,896,000 |
| Provision for loan losses | -15,000 | 91,000 |
| Pretax income | 3,352,000 | -5,203,000 |
| Income tax | 1,045,000 | -1,591,000 |
| Net income | 2,307,000 | -3,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 88,945,000 | 82,525,000 |
| Total capital | 95,445,000 | 86,225,000 |
| Risk-weighted assets | 650,700,000 | 629,720,000 |