Call reports 2003
VALLEY NATIONAL BANK — 2003
What VALLEY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 224,235,000 | 227,982,000 | 239,019,000 | 240,166,000 |
| Total loans | 144,593,000 | 142,483,000 | 144,472,000 | 141,580,000 |
| Allowance for loan losses | 2,201,000 | 2,164,000 | 2,237,000 | 2,314,000 |
| Securities available for sale | 59,654,000 | 70,483,000 | 77,254,000 | 78,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,196,000 | 172,459,000 | 178,667,000 | 181,813,000 |
| Interest-bearing deposits | 144,005,000 | 150,052,000 | 155,769,000 | 156,297,000 |
| Noninterest-bearing deposits | 21,191,000 | 22,407,000 | 22,898,000 | 25,516,000 |
| Equity capital | 23,898,000 | 25,063,000 | 24,734,000 | 24,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,183,000 | 6,429,000 | 9,681,000 | 13,027,000 |
| Interest expense | 1,201,000 | 2,342,000 | 3,455,000 | 4,543,000 |
| Net interest income | 1,982,000 | 4,087,000 | 6,226,000 | 8,484,000 |
| Noninterest income | 170,000 | 328,000 | 492,000 | 653,000 |
| Noninterest expense | 1,198,000 | 2,335,000 | 3,500,000 | 5,006,000 |
| Provision for loan losses | 110,000 | 220,000 | 370,000 | 570,000 |
| Pretax income | 1,006,000 | 2,026,000 | 3,014,000 | 3,729,000 |
| Income tax | 289,000 | 585,000 | 869,000 | 1,052,000 |
| Net income | 717,000 | 1,441,000 | 2,145,000 | 2,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,036,000 | 23,764,000 | 24,465,000 | 24,196,000 |
| Total capital | 24,900,000 | 25,611,000 | 26,372,000 | 26,084,000 |
| Risk-weighted assets | 148,767,000 | 147,440,000 | 152,217,000 | 150,651,000 |
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