Call reports 2001
VALLEY STATE BANK, THE — 2001
What VALLEY STATE BANK, THE 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 | 40,091,000 | 40,088,000 | 40,671,000 | 40,423,000 |
| Total loans | 31,580,000 | 29,732,000 | 31,678,000 | 33,136,000 |
| Allowance for loan losses | 147,000 | 127,000 | 131,000 | 150,000 |
| Securities available for sale | 3,176,000 | 3,033,000 | 2,757,000 | 3,643,000 |
| Securities held to maturity | 3,397,000 | 3,079,000 | 2,665,000 | 1,296,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,393,000 | 36,976,000 | 37,611,000 | 37,020,000 |
| Interest-bearing deposits | 32,102,000 | 34,116,000 | 35,081,000 | 34,121,000 |
| Noninterest-bearing deposits | 2,291,000 | 2,860,000 | 2,530,000 | 2,899,000 |
| Equity capital | 2,836,000 | 2,843,000 | 2,782,000 | 2,830,000 |
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 | 765,000 | 1,577,000 | 2,378,000 | 3,279,000 |
| Interest expense | 488,000 | 996,000 | 1,502,000 | 2,005,000 |
| Net interest income | 277,000 | 581,000 | 876,000 | 1,274,000 |
| Noninterest income | 15,000 | 32,000 | 51,000 | 72,000 |
| Noninterest expense | 291,000 | 595,000 | 928,000 | 1,245,000 |
| Provision for loan losses | 0 | 9,000 | 19,000 | 44,000 |
| Pretax income | 1,000 | 9,000 | -20,000 | 83,000 |
| Income tax | -1,000 | 1,000 | -4,000 | 17,000 |
| Net income | 2,000 | 8,000 | -16,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,530,000 | 2,545,000 | 2,480,000 | 2,545,000 |
| Total capital | 2,677,000 | 2,672,000 | 2,611,000 | 2,695,000 |
| Risk-weighted assets | 29,397,000 | 29,335,000 | 30,759,000 | 30,988,000 |
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