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 | 601,935,000 | 584,020,000 | 573,353,000 | 557,675,000 |
| Total loans | 380,513,000 | 394,208,000 | 378,042,000 | 372,130,000 |
| Allowance for loan losses | 9,707,000 | 9,892,000 | 9,149,000 | 23,984,000 |
| Securities available for sale | 152,977,000 | 130,481,000 | 131,562,000 | 131,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,221,000 | 459,223,000 | 447,168,000 | 446,517,000 |
| Interest-bearing deposits | 409,250,000 | 391,622,000 | 376,087,000 | 370,595,000 |
| Noninterest-bearing deposits | 68,971,000 | 67,601,000 | 71,081,000 | 75,922,000 |
| Equity capital | 28,042,000 | 29,577,000 | 31,242,000 | 17,876,000 |
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 | 6,360,000 | 13,116,000 | 19,164,000 | 23,851,000 |
| Interest expense | 1,804,000 | 3,474,000 | 5,027,000 | 6,497,000 |
| Net interest income | 4,556,000 | 9,642,000 | 14,137,000 | 17,354,000 |
| Noninterest income | 2,269,000 | 5,350,000 | 8,967,000 | 10,836,000 |
| Noninterest expense | 5,228,000 | 10,879,000 | 16,818,000 | 23,042,000 |
| Provision for loan losses | 0 | 1,635,000 | 1,871,000 | 15,823,000 |
| Pretax income | 1,790,000 | 2,933,000 | 4,925,000 | -10,145,000 |
| Income tax | -1,115,000 | -1,699,000 | -832,000 | -2,998,000 |
| Net income | 2,905,000 | 4,632,000 | 5,757,000 | -7,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,310,000 | 28,991,000 | 30,627,000 | 17,999,000 |
| Total capital | 32,752,000 | 34,503,000 | 36,061,000 | 23,327,000 |
| Risk-weighted assets | 431,100,000 | 436,577,000 | 430,989,000 | 407,605,000 |