Call reports 2011
VALLIANCE BANK — 2011
What VALLIANCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 107,626,000 | 78,190,000 | 77,987,000 | 80,272,000 |
| Total loans | 75,646,000 | 52,870,000 | 50,427,000 | 48,745,000 |
| Allowance for loan losses | 1,376,000 | 1,489,000 | 1,177,000 | 1,100,000 |
| Securities available for sale | 3,609,000 | 3,352,000 | 8,248,000 | 13,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,459,000 | 52,656,000 | 52,903,000 | 56,124,000 |
| Interest-bearing deposits | 77,464,000 | 50,754,000 | 50,476,000 | 53,223,000 |
| Noninterest-bearing deposits | 1,995,000 | 1,902,000 | 2,426,000 | 2,900,000 |
| Equity capital | 10,973,000 | 9,486,000 | 8,789,000 | 8,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,213,000 | 2,267,000 | 3,075,000 | 3,847,000 |
| Interest expense | 451,000 | 813,000 | 965,000 | 1,138,000 |
| Net interest income | 762,000 | 1,454,000 | 2,110,000 | 2,709,000 |
| Noninterest income | -93,000 | -1,127,000 | -1,513,000 | -1,826,000 |
| Noninterest expense | 964,000 | 2,033,000 | 3,020,000 | 3,894,000 |
| Provision for loan losses | 402,000 | 490,000 | 490,000 | 490,000 |
| Pretax income | -697,000 | -2,196,000 | -2,913,000 | -3,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -697,000 | -2,196,000 | -2,913,000 | -3,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,879,000 | 9,382,000 | 8,664,000 | 8,075,000 |
| Total capital | 11,370,000 | 10,121,000 | 9,355,000 | 8,767,000 |
| Risk-weighted assets | 69,932,000 | 58,354,000 | 54,753,000 | 54,521,000 |