Call reports 2002
VALLANT BANK — 2002
What VALLANT 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 | 313,102,000 | 330,342,000 | 340,436,000 | 343,675,000 |
| Total loans | 185,659,000 | 200,575,000 | 212,201,000 | 223,358,000 |
| Allowance for loan losses | 2,247,000 | 2,131,000 | 2,354,000 | 2,323,000 |
| Securities available for sale | 96,576,000 | 95,622,000 | 93,129,000 | 85,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,117,000 | 260,453,000 | 262,225,000 | 268,623,000 |
| Interest-bearing deposits | 197,158,000 | 208,764,000 | 207,834,000 | 215,142,000 |
| Noninterest-bearing deposits | 48,959,000 | 51,689,000 | 54,391,000 | 53,481,000 |
| Equity capital | 46,523,000 | 47,983,000 | 48,675,000 | 49,316,000 |
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 | 4,830,000 | 9,787,000 | 14,970,000 | 20,154,000 |
| Interest expense | 1,714,000 | 3,243,000 | 4,719,000 | 6,149,000 |
| Net interest income | 3,116,000 | 6,544,000 | 10,251,000 | 14,005,000 |
| Noninterest income | 705,000 | 1,459,000 | 1,182,000 | 2,188,000 |
| Noninterest expense | 2,116,000 | 4,284,000 | 6,623,000 | 9,039,000 |
| Provision for loan losses | 80,000 | 200,000 | 300,000 | 450,000 |
| Pretax income | 1,637,000 | 3,556,000 | 4,547,000 | 6,754,000 |
| Income tax | 401,000 | 922,000 | 1,215,000 | 1,734,000 |
| Net income | 1,236,000 | 2,634,000 | 3,332,000 | 5,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,456,000 | 44,438,000 | 44,547,000 | 45,601,000 |
| Total capital | 47,703,000 | 46,569,000 | 46,901,000 | 47,924,000 |
| Risk-weighted assets | 223,085,000 | 235,635,000 | 245,692,000 | 254,512,000 |
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