Call reports 2003
VALOR BANK — 2003
What VALOR 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 | 23,292,000 | 24,277,000 | 23,236,000 | 22,574,000 |
| Total loans | 11,688,000 | 11,483,000 | 11,951,000 | 13,284,000 |
| Allowance for loan losses | 140,000 | 139,000 | 139,000 | 182,000 |
| Securities available for sale | 9,372,000 | 9,710,000 | 8,613,000 | 6,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,099,000 | 22,079,000 | 21,012,000 | 20,440,000 |
| Interest-bearing deposits | 18,205,000 | 18,846,000 | 17,915,000 | 17,463,000 |
| Noninterest-bearing deposits | 2,894,000 | 3,233,000 | 3,097,000 | 2,977,000 |
| Equity capital | 1,839,000 | 1,841,000 | 1,861,000 | 1,809,000 |
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 | 318,000 | 632,000 | 928,000 | 1,239,000 |
| Interest expense | 115,000 | 228,000 | 323,000 | 407,000 |
| Net interest income | 203,000 | 404,000 | 605,000 | 832,000 |
| Noninterest income | 47,000 | 74,000 | 108,000 | 149,000 |
| Noninterest expense | 167,000 | 330,000 | 504,000 | 676,000 |
| Provision for loan losses | 0 | 0 | 0 | 85,000 |
| Pretax income | 83,000 | 148,000 | 229,000 | 249,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 83,000 | 148,000 | 229,000 | 249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,546,000 | 1,614,000 | 1,697,000 | 1,661,000 |
| Total capital | 1,686,000 | 1,753,000 | 1,836,000 | 1,838,000 |
| Risk-weighted assets | 12,933,000 | 13,062,000 | 13,292,000 | 14,167,000 |