Call reports 2017
VALLEY CENTRAL BANK — 2017
What VALLEY CENTRAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 111,174,000 | 111,527,000 | 112,814,000 | 106,868,000 |
| Total loans | 99,843,000 | 101,600,000 | 100,957,000 | 95,417,000 |
| Allowance for loan losses | 860,000 | 917,000 | 917,000 | 917,000 |
| Securities available for sale | 4,179,000 | 4,120,000 | 4,463,000 | 4,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,423,000 | 72,383,000 | 73,784,000 | 70,533,000 |
| Interest-bearing deposits | 68,860,000 | 68,512,000 | 69,570,000 | 65,614,000 |
| Noninterest-bearing deposits | 3,563,000 | 3,871,000 | 4,214,000 | 4,919,000 |
| Equity capital | 27,544,000 | 27,672,000 | 27,779,000 | 27,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,054,000 | 2,156,000 | 3,259,000 | 4,356,000 |
| Interest expense | 160,000 | 328,000 | 503,000 | 680,000 |
| Net interest income | 894,000 | 1,828,000 | 2,756,000 | 3,676,000 |
| Noninterest income | 62,000 | 115,000 | 188,000 | 231,000 |
| Noninterest expense | 806,000 | 1,590,000 | 2,423,000 | 3,229,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 120,000 | 293,000 | 461,000 | 618,000 |
| Income tax | 42,000 | 102,000 | 160,000 | 404,000 |
| Net income | 78,000 | 191,000 | 301,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,503,000 | 27,617,000 | 27,727,000 | 27,364,000 |
| Total capital | 28,382,000 | 28,508,000 | 28,680,000 | 28,223,000 |
| Risk-weighted assets | 70,029,000 | 71,230,000 | 72,371,000 | 67,040,000 |