Call reports 2003
VALLANT BANK — 2003
What VALLANT 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 | 343,857,000 | 348,148,000 | 359,341,000 | 368,163,000 |
| Total loans | 227,979,000 | 232,691,000 | 236,802,000 | 236,205,000 |
| Allowance for loan losses | 2,492,000 | 2,576,000 | 2,483,000 | 2,638,000 |
| Securities available for sale | 81,365,000 | 81,889,000 | 82,319,000 | 94,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,276,000 | 281,312,000 | 292,155,000 | 301,649,000 |
| Interest-bearing deposits | 222,324,000 | 223,776,000 | 236,067,000 | 244,217,000 |
| Noninterest-bearing deposits | 55,952,000 | 57,536,000 | 56,088,000 | 57,432,000 |
| Equity capital | 42,544,000 | 43,852,000 | 43,462,000 | 43,443,000 |
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 | 4,993,000 | 9,927,000 | 14,829,000 | 19,729,000 |
| Interest expense | 1,338,000 | 2,589,000 | 3,796,000 | 4,936,000 |
| Net interest income | 3,655,000 | 7,338,000 | 11,033,000 | 14,793,000 |
| Noninterest income | 1,022,000 | 2,074,000 | 3,220,000 | 4,223,000 |
| Noninterest expense | 3,005,000 | 5,494,000 | 8,137,000 | 11,026,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 1,462,000 | 3,498,000 | 5,486,000 | 7,150,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 0 |
| Net income | 1,450,000 | 3,474,000 | 5,450,000 | 7,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,099,000 | 38,675,000 | 39,521,000 | 39,971,000 |
| Total capital | 40,591,000 | 41,251,000 | 42,004,000 | 42,609,000 |
| Risk-weighted assets | 257,958,000 | 263,048,000 | 270,414,000 | 272,686,000 |
Machine access — free, no API key
Every figure shown here about VALLANT BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.