Call reports 2012
VALLEY CENTRAL BANK — 2012
What VALLEY CENTRAL 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 | 87,621,000 | 87,149,000 | 86,200,000 | 86,070,000 |
| Total loans | 52,777,000 | 53,566,000 | 52,567,000 | 54,430,000 |
| Allowance for loan losses | 600,000 | 646,000 | 666,000 | 698,000 |
| Securities available for sale | 23,594,000 | 23,472,000 | 16,597,000 | 18,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,292,000 | 59,760,000 | 59,224,000 | 59,064,000 |
| Interest-bearing deposits | 59,568,000 | 58,858,000 | 57,042,000 | 57,162,000 |
| Noninterest-bearing deposits | 724,000 | 902,000 | 2,182,000 | 1,902,000 |
| Equity capital | 25,972,000 | 26,073,000 | 25,713,000 | 25,792,000 |
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 | 883,000 | 1,766,000 | 2,568,000 | 3,394,000 |
| Interest expense | 156,000 | 294,000 | 422,000 | 541,000 |
| Net interest income | 727,000 | 1,472,000 | 2,146,000 | 2,853,000 |
| Noninterest income | -11,000 | 2,000 | -4,000 | 61,000 |
| Noninterest expense | 524,000 | 1,203,000 | 1,695,000 | 2,296,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 120,000 |
| Pretax income | 147,000 | 181,000 | 327,000 | 498,000 |
| Income tax | 50,000 | 61,000 | 115,000 | 169,000 |
| Net income | 97,000 | 120,000 | 212,000 | 329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,811,000 | 25,834,000 | 25,402,000 | 25,518,000 |
| Total capital | 26,345,000 | 26,369,000 | 25,905,000 | 26,082,000 |
| Risk-weighted assets | 42,690,000 | 42,706,000 | 45,851,000 | 44,981,000 |