Call reports 2001
VALLANT BANK — 2001
What VALLANT BANK 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 | 292,589,000 | 297,967,000 | 304,186,000 | 311,204,000 |
| Total loans | 166,102,000 | 167,752,000 | 168,446,000 | 179,279,000 |
| Allowance for loan losses | 2,477,000 | 1,798,000 | 1,992,000 | 2,033,000 |
| Securities available for sale | 94,963,000 | 98,248,000 | 101,460,000 | 101,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,681,000 | 237,734,000 | 239,787,000 | 239,796,000 |
| Interest-bearing deposits | 187,711,000 | 190,310,000 | 194,558,000 | 194,272,000 |
| Noninterest-bearing deposits | 45,970,000 | 47,424,000 | 45,229,000 | 45,524,000 |
| Equity capital | 43,373,000 | 44,370,000 | 46,291,000 | 46,139,000 |
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 | 5,506,000 | 10,951,000 | 16,260,000 | 21,327,000 |
| Interest expense | 2,331,000 | 4,618,000 | 6,818,000 | 8,809,000 |
| Net interest income | 3,175,000 | 6,333,000 | 9,442,000 | 12,518,000 |
| Noninterest income | 555,000 | 1,239,000 | 2,053,000 | 2,687,000 |
| Noninterest expense | 2,030,000 | 4,146,000 | 6,267,000 | 8,380,000 |
| Provision for loan losses | 150,000 | 650,000 | 675,000 | 750,000 |
| Pretax income | 1,554,000 | 2,815,000 | 4,612,000 | 6,142,000 |
| Income tax | 505,000 | 877,000 | 1,379,000 | 1,803,000 |
| Net income | 1,049,000 | 1,938,000 | 3,233,000 | 4,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,306,000 | 43,195,000 | 44,151,000 | 44,796,000 |
| Total capital | 44,742,000 | 44,993,000 | 46,143,000 | 46,829,000 |
| Risk-weighted assets | 194,842,000 | 201,262,000 | 208,624,000 | 217,414,000 |
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