Call reports 2022
VALLEY CENTRAL BANK — 2022
What VALLEY CENTRAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 155,022,000 | 153,730,000 | 152,991,000 | 153,786,000 |
| Total loans | 108,811,000 | 110,345,000 | 113,766,000 | 121,901,000 |
| Allowance for loan losses | 989,000 | 989,000 | 1,036,000 | 1,037,000 |
| Securities available for sale | 11,316,000 | 11,552,000 | 13,767,000 | 13,742,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,736,000 | 113,676,000 | 113,290,000 | 114,528,000 |
| Interest-bearing deposits | 84,888,000 | 82,343,000 | 81,806,000 | 84,436,000 |
| Noninterest-bearing deposits | 30,848,000 | 31,333,000 | 31,484,000 | 30,092,000 |
| Equity capital | 36,819,000 | 36,636,000 | 36,362,000 | 36,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,468,000 | 3,878,000 | 5,392,000 |
| Interest expense | 84,000 | 161,000 | 250,000 | 391,000 |
| Net interest income | 1,119,000 | 2,307,000 | 3,628,000 | 5,001,000 |
| Noninterest income | 191,000 | 386,000 | 463,000 | 564,000 |
| Noninterest expense | 1,410,000 | 2,838,000 | 4,216,000 | 5,609,000 |
| Provision for loan losses | -50,000 | -50,000 | -50,000 | -50,000 |
| Pretax income | -51,000 | -103,000 | -81,000 | -3,000 |
| Income tax | -15,000 | -32,000 | -34,000 | -24,000 |
| Net income | -36,000 | -71,000 | -47,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,105,000 | 36,795,000 | 36,826,000 | 36,903,000 |