Call reports 2002
VALLEY COMMUNITY BANK — 2002
What VALLEY COMMUNITY 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 | 83,273,000 | 83,175,000 | 94,610,000 | 87,589,000 |
| Total loans | 63,700,000 | 66,654,000 | 67,590,000 | 72,359,000 |
| Allowance for loan losses | 903,000 | 974,000 | 1,035,000 | 1,179,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,779,000 | 7,493,000 | 6,844,000 | 9,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,516,000 | 70,227,000 | 81,304,000 | 72,838,000 |
| Interest-bearing deposits | 55,047,000 | 54,487,000 | 65,836,000 | 59,048,000 |
| Noninterest-bearing deposits | 14,469,000 | 15,740,000 | 15,468,000 | 13,790,000 |
| Equity capital | 7,472,000 | 7,694,000 | 7,996,000 | 8,249,000 |
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 | 1,150,000 | 2,442,000 | 3,769,000 | 5,164,000 |
| Interest expense | 396,000 | 795,000 | 1,201,000 | 1,597,000 |
| Net interest income | 754,000 | 1,647,000 | 2,568,000 | 3,567,000 |
| Noninterest income | 125,000 | 243,000 | 375,000 | 581,000 |
| Noninterest expense | 715,000 | 1,434,000 | 2,126,000 | 2,935,000 |
| Provision for loan losses | 75,000 | 144,000 | 204,000 | 347,000 |
| Pretax income | 89,000 | 312,000 | 613,000 | 866,000 |
| Income tax | 2,000 | 3,000 | 2,000 | 2,000 |
| Net income | 87,000 | 309,000 | 611,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,472,000 | 7,694,000 | 7,996,000 | 8,249,000 |
| Total capital | 8,320,000 | 8,565,000 | 8,901,000 | 9,197,000 |
| Risk-weighted assets | 67,804,000 | 69,552,000 | 72,492,000 | 75,573,000 |