Call reports 2019
VALLEY CENTRAL BANK — 2019
What VALLEY CENTRAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 114,292,000 | 119,434,000 | 166,203,000 | 152,116,000 |
| Total loans | 102,522,000 | 107,484,000 | 138,475,000 | 134,257,000 |
| Allowance for loan losses | 917,000 | 917,000 | 917,000 | 944,000 |
| Securities available for sale | 5,057,000 | 5,026,000 | 5,088,000 | 4,699,000 |
| Securities held to maturity | 0 | 0 | 6,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,941,000 | 71,053,000 | 111,124,000 | 98,170,000 |
| Interest-bearing deposits | 62,449,000 | 60,589,000 | 94,534,000 | 77,103,000 |
| Noninterest-bearing deposits | 8,492,000 | 10,464,000 | 16,590,000 | 21,067,000 |
| Equity capital | 27,924,000 | 27,984,000 | 36,243,000 | 36,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,441,000 | 3,873,000 | 5,304,000 |
| Interest expense | 223,000 | 484,000 | 773,000 | 1,038,000 |
| Net interest income | 959,000 | 1,957,000 | 3,100,000 | 4,266,000 |
| Noninterest income | 121,000 | 316,000 | 573,000 | 1,063,000 |
| Noninterest expense | 1,009,000 | 2,204,000 | 3,506,000 | 5,287,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 71,000 | 69,000 | 167,000 | 42,000 |
| Income tax | 13,000 | 19,000 | 35,000 | 30,000 |
| Net income | 58,000 | 50,000 | 132,000 | 12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,614,000 | 27,904,000 | 36,056,000 | 35,936,000 |
| Total capital | 28,538,000 | 28,841,000 | 37,000,000 | 36,909,000 |
| Risk-weighted assets | 77,352,000 | 80,963,000 | 116,255,000 | 109,723,000 |