Call reports 2003
VALLEY COMMUNITY BANK — 2003
What VALLEY COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 91,595,000 | 99,672,000 | 108,715,000 | 107,155,000 |
| Total loans | 70,732,000 | 74,020,000 | 74,817,000 | 80,917,000 |
| Allowance for loan losses | 1,210,000 | 1,108,000 | 1,096,000 | 1,193,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,605,000 | 9,696,000 | 13,384,000 | 15,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,914,000 | 84,877,000 | 93,434,000 | 88,649,000 |
| Interest-bearing deposits | 61,931,000 | 67,798,000 | 70,762,000 | 69,874,000 |
| Noninterest-bearing deposits | 14,983,000 | 17,079,000 | 22,672,000 | 18,774,000 |
| Equity capital | 8,341,000 | 8,444,000 | 8,641,000 | 11,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,598,000 | 3,946,000 | 5,334,000 |
| Interest expense | 332,000 | 652,000 | 946,000 | 1,229,000 |
| Net interest income | 974,000 | 1,946,000 | 3,000,000 | 4,105,000 |
| Noninterest income | 115,000 | 209,000 | 422,000 | 688,000 |
| Noninterest expense | 884,000 | 1,747,000 | 2,647,000 | 3,560,000 |
| Provision for loan losses | 40,000 | 90,000 | 130,000 | 225,000 |
| Pretax income | 165,000 | 318,000 | 645,000 | 1,008,000 |
| Income tax | 73,000 | 123,000 | 253,000 | 397,000 |
| Net income | 92,000 | 195,000 | 392,000 | 611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,341,000 | 8,444,000 | 8,641,000 | 11,838,000 |
| Total capital | 9,298,000 | 9,444,000 | 9,677,000 | 12,934,000 |
| Risk-weighted assets | 75,916,000 | 79,580,000 | 82,393,000 | 86,927,000 |