Call reports 2014
VALLEY CENTRAL BANK — 2014
What VALLEY CENTRAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 93,158,000 | 95,009,000 | 94,921,000 | 101,764,000 |
| Total loans | 66,614,000 | 69,557,000 | 70,123,000 | 73,290,000 |
| Allowance for loan losses | 643,000 | 631,000 | 640,000 | 628,000 |
| Securities available for sale | 19,564,000 | 19,607,000 | 18,857,000 | 17,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,385,000 | 63,069,000 | 63,036,000 | 68,582,000 |
| Interest-bearing deposits | 57,703,000 | 61,355,000 | 60,950,000 | 64,751,000 |
| Noninterest-bearing deposits | 1,682,000 | 1,714,000 | 2,086,000 | 3,831,000 |
| Equity capital | 26,055,000 | 26,484,000 | 26,640,000 | 26,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 835,000 | 1,752,000 | 2,674,000 | 3,600,000 |
| Interest expense | 83,000 | 179,000 | 270,000 | 363,000 |
| Net interest income | 752,000 | 1,573,000 | 2,404,000 | 3,237,000 |
| Noninterest income | 11,000 | 30,000 | 54,000 | 88,000 |
| Noninterest expense | 540,000 | 1,080,000 | 1,672,000 | 2,268,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 25,000 |
| Pretax income | 223,000 | 523,000 | 776,000 | 1,032,000 |
| Income tax | 76,000 | 178,000 | 267,000 | 354,000 |
| Net income | 147,000 | 345,000 | 509,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,362,000 | 26,515,000 | 26,678,000 | 26,893,000 |
| Total capital | 27,046,000 | 27,187,000 | 27,348,000 | 27,520,000 |
| Risk-weighted assets | 52,799,000 | 58,271,000 | 57,865,000 | 61,364,000 |