Call reports 2012
VALLEY BUSINESS BANK — 2012
What VALLEY BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 349,421,000 | 345,014,000 | 339,029,000 | 359,989,000 |
| Total loans | 222,444,000 | 224,791,000 | 233,395,000 | 232,453,000 |
| Allowance for loan losses | 5,472,000 | 5,276,000 | 5,194,000 | 5,192,000 |
| Securities available for sale | 59,629,000 | 57,149,000 | 55,831,000 | 53,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,237,000 | 302,819,000 | 295,456,000 | 315,501,000 |
| Interest-bearing deposits | 194,607,000 | 196,716,000 | 189,396,000 | 194,584,000 |
| Noninterest-bearing deposits | 113,630,000 | 106,103,000 | 106,060,000 | 120,917,000 |
| Equity capital | 38,016,000 | 38,944,000 | 39,990,000 | 40,568,000 |
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 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,736,000 | 7,404,000 | 11,034,000 | 14,701,000 |
| Interest expense | 253,000 | 502,000 | 738,000 | 962,000 |
| Net interest income | 3,483,000 | 6,902,000 | 10,296,000 | 13,739,000 |
| Noninterest income | 328,000 | 662,000 | 1,007,000 | 1,300,000 |
| Noninterest expense | 2,361,000 | 4,707,000 | 7,066,000 | 9,763,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,478,000 | 3,009,000 | 4,389,000 | 5,428,000 |
| Income tax | 486,000 | 991,000 | 1,424,000 | 1,652,000 |
| Net income | 992,000 | 2,018,000 | 2,965,000 | 3,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,273,000 | 38,115,000 | 38,878,000 | 39,509,000 |
| Total capital | 40,420,000 | 41,291,000 | 42,112,000 | 42,726,000 |
| Risk-weighted assets | 249,374,000 | 251,925,000 | 256,720,000 | 255,406,000 |