Call reports 2018
VALLEY CENTRAL BANK — 2018
What VALLEY CENTRAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 110,365,000 | 110,950,000 | 111,406,000 | 112,482,000 |
| Total loans | 95,602,000 | 99,629,000 | 98,297,000 | 99,032,000 |
| Allowance for loan losses | 917,000 | 917,000 | 917,000 | 917,000 |
| Securities available for sale | 4,402,000 | 4,335,000 | 4,240,000 | 4,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,995,000 | 73,498,000 | 71,888,000 | 74,894,000 |
| Interest-bearing deposits | 68,625,000 | 68,197,000 | 67,522,000 | 69,342,000 |
| Noninterest-bearing deposits | 5,371,000 | 5,301,000 | 4,366,000 | 5,552,000 |
| Equity capital | 27,613,000 | 27,597,000 | 27,635,000 | 27,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,174,000 | 3,303,000 | 4,476,000 |
| Interest expense | 161,000 | 352,000 | 566,000 | 802,000 |
| Net interest income | 888,000 | 1,822,000 | 2,737,000 | 3,674,000 |
| Noninterest income | 41,000 | 189,000 | 390,000 | 653,000 |
| Noninterest expense | 914,000 | 1,999,000 | 3,033,000 | 4,048,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 15,000 | 12,000 | 94,000 | 279,000 |
| Income tax | 2,000 | 2,000 | 27,000 | 67,000 |
| Net income | 13,000 | 10,000 | 67,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,632,000 | 27,648,000 | 27,707,000 | 27,853,000 |
| Total capital | 28,483,000 | 28,544,000 | 28,634,000 | 28,777,000 |
| Risk-weighted assets | 67,309,000 | 70,701,000 | 73,556,000 | 75,025,000 |