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 | 551,858,000 | 557,639,000 | 526,199,000 | 492,516,000 |
| Total loans | 377,181,000 | 379,915,000 | 343,167,000 | 321,896,000 |
| Allowance for loan losses | 23,454,000 | 20,789,000 | 22,684,000 | 29,232,000 |
| Securities available for sale | 120,540,000 | 124,788,000 | 123,760,000 | 126,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,072,000 | 442,833,000 | 414,868,000 | 391,070,000 |
| Interest-bearing deposits | 367,202,000 | 370,362,000 | 344,211,000 | 322,439,000 |
| Noninterest-bearing deposits | 71,870,000 | 72,471,000 | 70,657,000 | 68,631,000 |
| Equity capital | 19,009,000 | 18,278,000 | 16,696,000 | 7,016,000 |
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 | 5,454,000 | 10,817,000 | 15,675,000 | 20,154,000 |
| Interest expense | 1,398,000 | 2,790,000 | 4,177,000 | 5,521,000 |
| Net interest income | 4,056,000 | 8,027,000 | 11,498,000 | 14,633,000 |
| Noninterest income | 2,410,000 | 5,499,000 | 8,149,000 | 10,246,000 |
| Noninterest expense | 5,078,000 | 10,880,000 | 16,790,000 | 21,813,000 |
| Provision for loan losses | 0 | 482,000 | 2,639,000 | 13,408,000 |
| Pretax income | 1,394,000 | 2,167,000 | 231,000 | -10,328,000 |
| Income tax | 391,000 | 717,000 | 762,000 | 50,000 |
| Net income | 1,003,000 | 1,450,000 | -531,000 | -10,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,012,000 | 19,467,000 | 17,497,000 | 7,659,000 |
| Total capital | 24,335,000 | 24,672,000 | 22,320,000 | 12,232,000 |
| Risk-weighted assets | 407,671,000 | 400,780,000 | 367,977,000 | 341,211,000 |