Call reports 2002
CENTRAL VALLEY BANK — 2002
What CENTRAL VALLEY 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 | 84,347,000 | 87,614,000 | 91,971,000 | 93,111,000 |
| Total loans | 58,872,000 | 61,643,000 | 61,634,000 | 57,562,000 |
| Allowance for loan losses | 587,000 | 675,000 | 670,000 | 664,000 |
| Securities available for sale | 5,783,000 | 5,796,000 | 6,273,000 | 9,957,000 |
| Securities held to maturity | 420,000 | 420,000 | 370,000 | 295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,440,000 | 80,659,000 | 84,764,000 | 85,790,000 |
| Interest-bearing deposits | 63,605,000 | 67,526,000 | 71,241,000 | 70,867,000 |
| Noninterest-bearing deposits | 13,834,000 | 13,133,000 | 13,523,000 | 14,923,000 |
| Equity capital | 6,400,000 | 6,576,000 | 6,744,000 | 6,808,000 |
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 | 1,546,000 | 3,085,000 | 4,653,000 | 6,153,000 |
| Interest expense | 437,000 | 852,000 | 1,285,000 | 1,687,000 |
| Net interest income | 1,109,000 | 2,233,000 | 3,368,000 | 4,466,000 |
| Noninterest income | 202,000 | 447,000 | 680,000 | 878,000 |
| Noninterest expense | 884,000 | 1,792,000 | 2,725,000 | 3,654,000 |
| Provision for loan losses | 36,000 | 125,000 | 170,000 | 215,000 |
| Pretax income | 391,000 | 763,000 | 1,153,000 | 1,475,000 |
| Income tax | 129,000 | 253,000 | 383,000 | 493,000 |
| Net income | 262,000 | 510,000 | 770,000 | 982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,407,000 | 6,555,000 | 6,715,000 | 6,777,000 |
| Total capital | 6,994,000 | 7,230,000 | 7,387,000 | 7,443,000 |
| Risk-weighted assets | 57,277,000 | 58,846,000 | 61,501,000 | 61,241,000 |