Call reports 2003
FIRST VALLEY BANK — 2003
What FIRST VALLEY 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 | 29,124,000 | 30,757,000 | 31,977,000 | 32,196,000 |
| Total loans | 20,120,000 | 22,026,000 | 22,908,000 | 23,534,000 |
| Allowance for loan losses | 164,000 | 173,000 | 182,000 | 211,000 |
| Securities available for sale | 1,777,000 | 1,754,000 | 1,294,000 | 1,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,421,000 | 27,868,000 | 29,165,000 | 27,936,000 |
| Interest-bearing deposits | 20,799,000 | 21,546,000 | 22,633,000 | 22,571,000 |
| Noninterest-bearing deposits | 4,622,000 | 6,322,000 | 6,532,000 | 5,365,000 |
| Equity capital | 2,278,000 | 2,386,000 | 2,427,000 | 2,383,000 |
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 | 439,000 | 897,000 | 1,353,000 | 1,811,000 |
| Interest expense | 152,000 | 298,000 | 438,000 | 574,000 |
| Net interest income | 287,000 | 599,000 | 915,000 | 1,237,000 |
| Noninterest income | 29,000 | 61,000 | 90,000 | 121,000 |
| Noninterest expense | 148,000 | 288,000 | 437,000 | 618,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 56,000 |
| Pretax income | 159,000 | 354,000 | 541,000 | 684,000 |
| Income tax | -4,000 | -4,000 | -4,000 | 0 |
| Net income | 163,000 | 358,000 | 545,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,252,000 | 2,352,000 | 2,439,000 | 2,371,000 |
| Total capital | 2,416,000 | 2,525,000 | 2,621,000 | 2,582,000 |
| Risk-weighted assets | 21,210,000 | 23,397,000 | 23,816,000 | 23,672,000 |
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