Call reports 2016
VALLEY CENTRAL BANK — 2016
What VALLEY CENTRAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 109,840,000 | 109,881,000 | 110,066,000 | 109,637,000 |
| Total loans | 91,824,000 | 96,680,000 | 98,423,000 | 98,450,000 |
| Allowance for loan losses | 740,000 | 770,000 | 800,000 | 830,000 |
| Securities available for sale | 7,637,000 | 5,719,000 | 2,224,000 | 2,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,378,000 | 71,329,000 | 71,393,000 | 70,979,000 |
| Interest-bearing deposits | 66,697,000 | 67,460,000 | 67,236,000 | 66,996,000 |
| Noninterest-bearing deposits | 2,681,000 | 3,870,000 | 4,157,000 | 3,983,000 |
| Equity capital | 27,296,000 | 27,399,000 | 27,410,000 | 27,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,009,000 | 2,039,000 | 3,052,000 | 4,099,000 |
| Interest expense | 145,000 | 292,000 | 448,000 | 603,000 |
| Net interest income | 864,000 | 1,747,000 | 2,604,000 | 3,496,000 |
| Noninterest income | 31,000 | 68,000 | 119,000 | 169,000 |
| Noninterest expense | 826,000 | 1,634,000 | 2,462,000 | 3,272,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 39,000 | 121,000 | 171,000 | 273,000 |
| Income tax | 13,000 | 41,000 | 79,000 | 114,000 |
| Net income | 26,000 | 80,000 | 92,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,305,000 | 27,382,000 | 27,358,000 | 27,425,000 |
| Total capital | 28,054,000 | 28,162,000 | 28,170,000 | 28,285,000 |
| Risk-weighted assets | 64,537,000 | 66,297,000 | 69,121,000 | 68,919,000 |