Call reports 2021
VALLEY CENTRAL BANK — 2021
What VALLEY CENTRAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 154,132,000 | 157,456,000 | 153,943,000 | 153,937,000 |
| Total loans | 118,015,000 | 114,351,000 | 113,533,000 | 106,354,000 |
| Allowance for loan losses | 1,134,000 | 1,134,000 | 1,085,000 | 1,039,000 |
| Securities available for sale | 3,407,000 | 8,398,000 | 8,323,000 | 8,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,142,000 | 117,575,000 | 113,915,000 | 114,092,000 |
| Interest-bearing deposits | 86,159,000 | 88,645,000 | 86,606,000 | 84,667,000 |
| Noninterest-bearing deposits | 27,983,000 | 28,930,000 | 27,309,000 | 29,425,000 |
| Equity capital | 37,278,000 | 37,236,000 | 37,318,000 | 37,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,346,000 | 2,687,000 | 3,994,000 | 5,236,000 |
| Interest expense | 133,000 | 248,000 | 351,000 | 452,000 |
| Net interest income | 1,213,000 | 2,439,000 | 3,643,000 | 4,784,000 |
| Noninterest income | 718,000 | 1,154,000 | 1,532,000 | 1,752,000 |
| Noninterest expense | 1,783,000 | 3,459,000 | 5,136,000 | 6,554,000 |
| Provision for loan losses | 0 | 0 | -50,000 | -50,000 |
| Pretax income | 143,000 | 117,000 | 60,000 | 3,000 |
| Income tax | 28,000 | 20,000 | -128,000 | -139,000 |
| Net income | 115,000 | 97,000 | 188,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,115,000 | 37,097,000 | 37,188,000 | 37,141,000 |