Call reports 2015
VALLEY CENTRAL BANK — 2015
What VALLEY CENTRAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 99,704,000 | 104,663,000 | 107,207,000 | 107,116,000 |
| Total loans | 79,817,000 | 86,722,000 | 89,235,000 | 90,202,000 |
| Allowance for loan losses | 636,000 | 650,000 | 680,000 | 710,000 |
| Securities available for sale | 12,935,000 | 12,028,000 | 11,868,000 | 9,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,858,000 | 68,722,000 | 68,110,000 | 68,847,000 |
| Interest-bearing deposits | 63,766,000 | 65,795,000 | 65,293,000 | 66,086,000 |
| Noninterest-bearing deposits | 3,092,000 | 2,927,000 | 2,817,000 | 2,761,000 |
| Equity capital | 27,013,000 | 27,197,000 | 27,222,000 | 27,198,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,919,000 | 2,898,000 | 3,891,000 |
| Interest expense | 109,000 | 236,000 | 373,000 | 516,000 |
| Net interest income | 848,000 | 1,683,000 | 2,525,000 | 3,375,000 |
| Noninterest income | 43,000 | 85,000 | 126,000 | 159,000 |
| Noninterest expense | 611,000 | 1,271,000 | 2,135,000 | 2,938,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 296,000 | 491,000 | 484,000 | 564,000 |
| Income tax | 101,000 | 166,000 | 164,000 | 191,000 |
| Net income | 195,000 | 325,000 | 320,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,088,000 | 27,219,000 | 27,222,000 | 27,283,000 |
| Total capital | 27,715,000 | 27,869,000 | 27,919,000 | 28,005,000 |
| Risk-weighted assets | 50,213,000 | 60,945,000 | 63,689,000 | 64,274,000 |