Call reports 2002
VALOR BANK — 2002
What VALOR 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 | 16,852,000 | 17,218,000 | 17,014,000 | 22,866,000 |
| Total loans | 7,631,000 | 7,256,000 | 8,300,000 | 11,226,000 |
| Allowance for loan losses | 103,000 | 103,000 | 100,000 | 140,000 |
| Securities available for sale | 7,866,000 | 7,690,000 | 7,559,000 | 9,343,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,986,000 | 15,228,000 | 14,846,000 | 20,743,000 |
| Interest-bearing deposits | 13,011,000 | 13,247,000 | 13,127,000 | 17,805,000 |
| Noninterest-bearing deposits | 1,975,000 | 1,981,000 | 1,719,000 | 2,938,000 |
| Equity capital | 1,532,000 | 1,660,000 | 1,796,000 | 1,787,000 |
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 | 282,000 | 548,000 | 811,000 | 1,111,000 |
| Interest expense | 116,000 | 228,000 | 333,000 | 447,000 |
| Net interest income | 166,000 | 320,000 | 478,000 | 664,000 |
| Noninterest income | 35,000 | 67,000 | 99,000 | 130,000 |
| Noninterest expense | 122,000 | 251,000 | 379,000 | 558,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 79,000 | 136,000 | 198,000 | 186,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 79,000 | 136,000 | 198,000 | 186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,425,000 | 1,463,000 | 1,524,000 | 1,464,000 |
| Total capital | 1,528,000 | 1,566,000 | 1,624,000 | 1,604,000 |
| Risk-weighted assets | 9,405,000 | 9,617,000 | 9,839,000 | 12,912,000 |
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