Call reports 2003
PREMIER VALLEY BANK — 2003
What PREMIER VALLEY 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 | 75,917,000 | 104,749,000 | 119,613,000 | 125,740,000 |
| Total loans | 44,929,000 | 46,437,000 | 65,061,000 | 75,314,000 |
| Allowance for loan losses | 563,000 | 534,000 | 697,000 | 818,000 |
| Securities available for sale | 22,608,000 | 30,959,000 | 40,257,000 | 38,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,589,000 | 85,062,000 | 100,063,000 | 103,780,000 |
| Interest-bearing deposits | 39,629,000 | 59,868,000 | 72,611,000 | 73,205,000 |
| Noninterest-bearing deposits | 17,960,000 | 25,194,000 | 27,453,000 | 30,575,000 |
| Equity capital | 14,234,000 | 15,311,000 | 15,110,000 | 15,405,000 |
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 | 839,000 | 1,848,000 | 3,030,000 | 4,418,000 |
| Interest expense | 148,000 | 343,000 | 578,000 | 830,000 |
| Net interest income | 691,000 | 1,505,000 | 2,452,000 | 3,588,000 |
| Noninterest income | 43,000 | 95,000 | 152,000 | 206,000 |
| Noninterest expense | 620,000 | 1,362,000 | 2,044,000 | 2,927,000 |
| Provision for loan losses | 109,000 | 80,000 | 244,000 | 365,000 |
| Pretax income | 33,000 | 186,000 | 345,000 | 536,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 0 |
| Net income | 32,000 | 185,000 | 344,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,131,000 | 15,117,000 | 15,274,000 | 15,466,000 |
| Total capital | 14,694,000 | 15,700,000 | 16,021,000 | 16,335,000 |
| Risk-weighted assets | 52,309,000 | 62,020,000 | 75,239,000 | 87,233,000 |
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