Call reports 2024
VALLEY CENTRAL BANK — 2024
What VALLEY CENTRAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 174,638,000 | 173,373,000 | 177,489,000 | 179,699,000 |
| Total loans | 149,265,000 | 147,981,000 | 150,690,000 | 150,522,000 |
| Allowance for loan losses | 1,753,000 | 1,754,000 | 1,754,000 | 1,779,000 |
| Securities available for sale | 10,083,000 | 9,529,000 | 9,192,000 | 11,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,910,000 | 122,895,000 | 128,485,000 | 131,295,000 |
| Interest-bearing deposits | 93,123,000 | 95,968,000 | 101,350,000 | 105,522,000 |
| Noninterest-bearing deposits | 26,787,000 | 26,927,000 | 27,135,000 | 25,773,000 |
| Equity capital | 36,381,000 | 36,498,000 | 36,843,000 | 36,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 4,030,000 | 6,202,000 | 8,452,000 |
| Interest expense | 724,000 | 1,544,000 | 2,371,000 | 3,213,000 |
| Net interest income | 1,221,000 | 2,486,000 | 3,831,000 | 5,239,000 |
| Noninterest income | 179,000 | 388,000 | 578,000 | 752,000 |
| Noninterest expense | 1,330,000 | 2,702,000 | 4,066,000 | 5,472,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 70,000 | 172,000 | 343,000 | 519,000 |
| Income tax | 8,000 | 21,000 | 49,000 | 51,000 |
| Net income | 62,000 | 151,000 | 294,000 | 468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,567,000 | 36,666,000 | 36,819,000 | 37,003,000 |