Call reports 2002
PREMIER VALLEY BANK — 2002
What PREMIER VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,570,000 | 41,412,000 | 57,621,000 | 57,594,000 |
| Total loans | 15,852,000 | 19,356,000 | 31,738,000 | 36,163,000 |
| Allowance for loan losses | 198,000 | 243,000 | 397,000 | 453,000 |
| Securities available for sale | 12,741,000 | 12,738,000 | 11,918,000 | 11,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,449,000 | 34,172,000 | 50,370,000 | 50,304,000 |
| Interest-bearing deposits | 19,691,000 | 22,130,000 | 36,926,000 | 33,761,000 |
| Noninterest-bearing deposits | 10,758,000 | 12,042,000 | 13,444,000 | 16,543,000 |
| Equity capital | 6,920,000 | 6,998,000 | 6,990,000 | 7,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 887,000 | 1,547,000 | 2,250,000 |
| Interest expense | 84,000 | 176,000 | 319,000 | 474,000 |
| Net interest income | 316,000 | 711,000 | 1,228,000 | 1,776,000 |
| Noninterest income | 5,000 | 15,000 | 28,000 | 45,000 |
| Noninterest expense | 509,000 | 1,053,000 | 1,610,000 | 2,140,000 |
| Provision for loan losses | 86,000 | 132,000 | 265,000 | 321,000 |
| Pretax income | -274,000 | -459,000 | -619,000 | -640,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -275,000 | -460,000 | -620,000 | -641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,111,000 | 6,926,000 | 6,765,000 | 6,744,000 |
| Total capital | 7,309,000 | 7,169,000 | 7,162,000 | 7,197,000 |
| Risk-weighted assets | 18,259,000 | 22,871,000 | 35,605,000 | 39,988,000 |
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