Call reports 2003

VALLEY STATE BANK — 2003

Name: VALLEY STATE BANK — FFIEC call report 2003
Creator: VALLEY STATE BANK

What VALLEY STATE BANK reported to the FFIEC in 2003, quarter by quarter.

PERIOD: 2003SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/942dfd6e-e4f0-4c94-95a7-c3be325253f9/2003

Balance sheet

What the bank holds and owes at quarter end

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Total assets	107,139,000	107,463,000	106,286,000	114,350,000
Total loans	53,050,000	53,405,000	52,079,000	49,737,000
Allowance for loan losses	699,000	712,000	732,000	753,000
Securities available for sale	48,375,000	47,297,000	50,091,000	58,368,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	93,779,000	93,373,000	92,944,000	100,539,000
Interest-bearing deposits	89,310,000	88,651,000	88,061,000	95,936,000
Noninterest-bearing deposits	4,469,000	4,722,000	4,883,000	4,603,000
Equity capital	12,302,000	13,061,000	12,680,000	13,078,000

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	1,433,000	2,876,000	4,271,000	5,682,000
Interest expense	686,000	1,315,000	1,908,000	2,505,000
Net interest income	747,000	1,561,000	2,363,000	3,177,000
Noninterest income	61,000	114,000	162,000	206,000
Noninterest expense	384,000	776,000	1,162,000	1,555,000
Provision for loan losses	30,000	50,000	80,000	100,000
Pretax income	455,000	950,000	1,489,000	1,979,000
Income tax	93,000	197,000	317,000	491,000
Net income	362,000	753,000	1,172,000	1,488,000

Basel measures — not reported for every quarter

Measure	2003Q1	2003Q2	2003Q3	2003Q4
Tier 1 capital	11,408,000	11,798,000	12,216,000	12,531,000
Total capital	12,107,000	12,510,000	12,948,000	13,284,000
Risk-weighted assets	69,363,000	69,325,000	68,530,000	67,440,000