Call reports 2001
VALLEY EXCHANGE BANK — 2001
What VALLEY EXCHANGE 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 | 47,066,000 | 47,168,000 | 48,001,000 | 51,049,000 |
| Total loans | 23,870,000 | 25,291,000 | 26,228,000 | 25,728,000 |
| Allowance for loan losses | 380,000 | 381,000 | 370,000 | 366,000 |
| Securities available for sale | 2,005,000 | 2,014,000 | 1,034,000 | 8,989,000 |
| Securities held to maturity | 15,468,000 | 16,018,000 | 15,215,000 | 11,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,781,000 | 37,738,000 | 38,461,000 | 41,859,000 |
| Interest-bearing deposits | 33,758,000 | 33,908,000 | 34,407,000 | 36,506,000 |
| Noninterest-bearing deposits | 4,023,000 | 3,830,000 | 4,054,000 | 5,353,000 |
| Equity capital | 8,963,000 | 9,052,000 | 9,148,000 | 9,006,000 |
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 | 847,000 | 1,649,000 | 2,419,000 | 3,117,000 |
| Interest expense | 395,000 | 784,000 | 1,144,000 | 1,453,000 |
| Net interest income | 452,000 | 865,000 | 1,275,000 | 1,664,000 |
| Noninterest income | 50,000 | 103,000 | 154,000 | 206,000 |
| Noninterest expense | 329,000 | 653,000 | 982,000 | 1,307,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 173,000 | 315,000 | 447,000 | 563,000 |
| Income tax | 63,000 | 115,000 | 163,000 | 206,000 |
| Net income | 110,000 | 200,000 | 284,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,916,000 | 9,006,000 | 9,090,000 | 8,973,000 |
| Total capital | 9,213,000 | 9,314,000 | 9,416,000 | 9,291,000 |
| Risk-weighted assets | 23,665,000 | 24,605,000 | 26,062,000 | 25,363,000 |