Call reports 2002
MIDDLETOWN VALLEY BANK — 2002
What MIDDLETOWN 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 | 124,045,000 | 124,745,000 | 127,166,000 | 129,965,000 |
| Total loans | 60,851,000 | 61,795,000 | 60,557,000 | 60,551,000 |
| Allowance for loan losses | 2,335,000 | 2,335,000 | 2,351,000 | 2,455,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,828,000 | 48,113,000 | 49,641,000 | 50,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,517,000 | 98,994,000 | 100,868,000 | 103,436,000 |
| Interest-bearing deposits | 73,422,000 | 72,881,000 | 75,359,000 | 76,193,000 |
| Noninterest-bearing deposits | 25,095,000 | 26,113,000 | 25,509,000 | 27,243,000 |
| Equity capital | 25,107,000 | 25,674,000 | 26,219,000 | 26,432,000 |
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 | 1,857,000 | 3,743,000 | 5,596,000 | 7,454,000 |
| Interest expense | 314,000 | 600,000 | 880,000 | 1,132,000 |
| Net interest income | 1,543,000 | 3,143,000 | 4,716,000 | 6,322,000 |
| Noninterest income | 177,000 | 337,000 | 524,000 | 731,000 |
| Noninterest expense | 621,000 | 1,259,000 | 1,910,000 | 2,689,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 120,000 |
| Pretax income | 1,098,000 | 2,220,000 | 3,314,000 | 4,243,000 |
| Income tax | 365,000 | 776,000 | 1,181,000 | 1,549,000 |
| Net income | 733,000 | 1,444,000 | 2,133,000 | 2,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,107,000 | 25,674,000 | 26,219,000 | 26,432,000 |
| Total capital | 25,707,000 | 26,274,000 | 26,818,000 | 27,034,000 |
| Risk-weighted assets | 46,279,000 | 46,274,000 | 46,154,000 | 46,316,000 |