Call reports 2013
VALLEY CENTRAL BANK — 2013
What VALLEY CENTRAL 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 | 85,512,000 | 84,836,000 | 85,351,000 | 87,631,000 |
| Total loans | 54,664,000 | 56,243,000 | 56,764,000 | 59,381,000 |
| Allowance for loan losses | 700,000 | 700,000 | 690,000 | 674,000 |
| Securities available for sale | 19,165,000 | 19,866,000 | 20,065,000 | 19,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,308,000 | 57,925,000 | 56,256,000 | 60,702,000 |
| Interest-bearing deposits | 56,086,000 | 55,969,000 | 54,253,000 | 58,829,000 |
| Noninterest-bearing deposits | 2,222,000 | 1,956,000 | 2,003,000 | 1,873,000 |
| Equity capital | 25,925,000 | 25,586,000 | 25,733,000 | 25,673,000 |
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 | 809,000 | 1,598,000 | 2,412,000 | 3,219,000 |
| Interest expense | 109,000 | 213,000 | 313,000 | 405,000 |
| Net interest income | 700,000 | 1,385,000 | 2,099,000 | 2,814,000 |
| Noninterest income | 30,000 | 47,000 | 231,000 | 246,000 |
| Noninterest expense | 483,000 | 988,000 | 1,499,000 | 2,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 247,000 | 444,000 | 831,000 | 1,046,000 |
| Income tax | 84,000 | 151,000 | 277,000 | 349,000 |
| Net income | 163,000 | 293,000 | 554,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,682,000 | 25,812,000 | 26,072,000 | 26,215,000 |
| Total capital | 26,260,000 | 26,354,000 | 26,647,000 | 26,791,000 |
| Risk-weighted assets | 44,316,000 | 55,329,000 | 43,737,000 | 44,590,000 |