Call reports 2001
VALOR BANK — 2001
What VALOR BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 15,624,000 | 16,088,000 | 16,255,000 | 16,899,000 |
| Total loans | 5,806,000 | 5,280,000 | 6,446,000 | 7,809,000 |
| Allowance for loan losses | 102,000 | 102,000 | 103,000 | 103,000 |
| Securities available for sale | 8,443,000 | 8,101,000 | 7,789,000 | 8,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,822,000 | 14,269,000 | 14,326,000 | 14,413,000 |
| Interest-bearing deposits | 12,000,000 | 12,210,000 | 12,421,000 | 12,565,000 |
| Noninterest-bearing deposits | 1,822,000 | 2,059,000 | 1,905,000 | 1,848,000 |
| Equity capital | 1,428,000 | 1,455,000 | 1,563,000 | 1,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 278,000 | 553,000 | 831,000 | 1,102,000 |
| Interest expense | 151,000 | 299,000 | 444,000 | 576,000 |
| Net interest income | 127,000 | 254,000 | 387,000 | 526,000 |
| Noninterest income | 33,000 | 59,000 | 83,000 | 116,000 |
| Noninterest expense | 115,000 | 242,000 | 360,000 | 483,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 91,000 | 130,000 | 197,000 |
| Income tax | 0 | 3,000 | 5,000 | 6,000 |
| Net income | 57,000 | 88,000 | 125,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,341,000 | 1,357,000 | 1,386,000 | 1,346,000 |
| Total capital | 1,437,000 | 1,448,000 | 1,487,000 | 1,449,000 |
| Risk-weighted assets | 7,756,000 | 7,275,000 | 8,087,000 | 9,430,000 |