Call reports 2001
VALLEY STATE BANK — 2001
What VALLEY STATE 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 | 115,161,000 | 116,629,000 | 114,647,000 | 109,532,000 |
| Total loans | 44,299,000 | 43,687,000 | 44,965,000 | 47,557,000 |
| Allowance for loan losses | 680,000 | 647,000 | 616,000 | 628,000 |
| Securities available for sale | 62,246,000 | 64,363,000 | 61,653,000 | 56,301,000 |
| Securities held to maturity | 165,000 | 165,000 | 165,000 | 165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,725,000 | 106,433,000 | 101,785,000 | 98,948,000 |
| Interest-bearing deposits | 101,215,000 | 102,795,000 | 98,163,000 | 95,961,000 |
| Noninterest-bearing deposits | 3,510,000 | 3,638,000 | 3,623,000 | 2,987,000 |
| Equity capital | 9,341,000 | 9,425,000 | 10,338,000 | 9,921,000 |
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 | 2,004,000 | 3,963,000 | 5,900,000 | 7,757,000 |
| Interest expense | 1,516,000 | 2,958,000 | 4,309,000 | 5,462,000 |
| Net interest income | 488,000 | 1,005,000 | 1,591,000 | 2,295,000 |
| Noninterest income | 80,000 | 167,000 | 174,000 | 226,000 |
| Noninterest expense | 336,000 | 667,000 | 995,000 | 1,329,000 |
| Provision for loan losses | 30,000 | 62,000 | 98,000 | 384,000 |
| Pretax income | 224,000 | 508,000 | 810,000 | 1,068,000 |
| Income tax | 33,000 | 82,000 | 136,000 | 219,000 |
| Net income | 191,000 | 426,000 | 674,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,165,000 | 9,418,000 | 9,682,000 | 9,859,000 |
| Total capital | 9,845,000 | 10,065,000 | 10,298,000 | 10,487,000 |
| Risk-weighted assets | 61,827,000 | 61,490,000 | 63,352,000 | 64,850,000 |