Call reports 2001
VALLEY COMMUNITY BANK — 2001
What VALLEY COMMUNITY 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 | 56,439,000 | 66,860,000 | 70,120,000 | 69,310,000 |
| Total loans | 43,500,000 | 52,499,000 | 54,580,000 | 58,934,000 |
| Allowance for loan losses | 611,000 | 738,000 | 771,000 | 828,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,390,000 | 3,675,000 | 3,701,000 | 5,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,256,000 | 59,412,000 | 62,517,000 | 57,614,000 |
| Interest-bearing deposits | 38,062,000 | 49,584,000 | 51,245,000 | 46,913,000 |
| Noninterest-bearing deposits | 11,194,000 | 9,828,000 | 11,272,000 | 10,701,000 |
| Equity capital | 7,013,000 | 7,101,000 | 7,226,000 | 7,386,000 |
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 | 1,105,000 | 2,309,000 | 3,498,000 | 4,672,000 |
| Interest expense | 451,000 | 971,000 | 1,517,000 | 1,979,000 |
| Net interest income | 654,000 | 1,338,000 | 1,981,000 | 2,693,000 |
| Noninterest income | 120,000 | 259,000 | 449,000 | 533,000 |
| Noninterest expense | 618,000 | 1,229,000 | 1,903,000 | 2,574,000 |
| Provision for loan losses | 80,000 | 203,000 | 238,000 | 293,000 |
| Pretax income | 76,000 | 165,000 | 289,000 | 359,000 |
| Income tax | 0 | 1,000 | 0 | -90,000 |
| Net income | 76,000 | 164,000 | 289,000 | 449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,948,000 | 7,101,000 | 7,226,000 | 7,386,000 |
| Total capital | 7,532,000 | 7,795,000 | 7,953,000 | 8,150,000 |
| Risk-weighted assets | 46,659,000 | 55,585,000 | 58,119,000 | 61,187,000 |