Call reports 2012
VALLIANCE BANK — 2012
What VALLIANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Total assets | 76,478,000 | 67,768,000 |
| Total loans | 48,296,000 | 39,510,000 |
| Allowance for loan losses | 1,100,000 | 1,100,000 |
| Securities available for sale | 6,131,000 | 5,763,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 54,469,000 | 51,302,000 |
| Interest-bearing deposits | 51,670,000 | 47,501,000 |
| Noninterest-bearing deposits | 2,799,000 | 3,800,000 |
| Equity capital | 7,839,000 | 7,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Interest income | 799,000 | 1,721,000 |
| Interest expense | 174,000 | 339,000 |
| Net interest income | 625,000 | 1,382,000 |
| Noninterest income | -5,000 | 15,000 |
| Noninterest expense | 931,000 | 2,046,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | -325,000 | -663,000 |
| Income tax | 0 | 0 |
| Net income | -325,000 | -663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 7,750,000 | 7,413,000 |
| Total capital | 8,424,000 | 8,020,000 |
| Risk-weighted assets | 53,525,000 | 48,027,000 |