Call reports 2001
VALLEY BANK AND TRUST CO. — 2001
What VALLEY BANK AND TRUST CO. 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 | 200,693,000 | 205,550,000 | 211,726,000 | 213,809,000 |
| Total loans | 143,972,000 | 145,777,000 | 149,016,000 | 155,059,000 |
| Allowance for loan losses | 1,672,000 | 1,585,000 | 1,529,000 | 1,997,000 |
| Securities available for sale | 34,173,000 | 37,258,000 | 37,426,000 | 34,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,402,000 | 170,752,000 | 176,693,000 | 173,146,000 |
| Interest-bearing deposits | 154,072,000 | 154,282,000 | 157,476,000 | 150,909,000 |
| Noninterest-bearing deposits | 16,330,000 | 16,470,000 | 19,217,000 | 22,237,000 |
| Equity capital | 15,461,000 | 15,978,000 | 15,782,000 | 15,805,000 |
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 | 3,954,000 | 7,803,000 | 11,680,000 | 15,087,000 |
| Interest expense | 2,390,000 | 4,656,000 | 6,830,000 | 8,659,000 |
| Net interest income | 1,564,000 | 3,147,000 | 4,850,000 | 6,428,000 |
| Noninterest income | 583,000 | 1,119,000 | 1,767,000 | 2,608,000 |
| Noninterest expense | 1,526,000 | 3,172,000 | 4,977,000 | 6,847,000 |
| Provision for loan losses | 60,000 | 1,110,000 | 1,770,000 | 2,600,000 |
| Pretax income | 573,000 | 61,000 | -53,000 | -321,000 |
| Income tax | 212,000 | 25,000 | -22,000 | -115,000 |
| Net income | 361,000 | 36,000 | -31,000 | -206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,897,000 | 13,361,000 | 13,020,000 | 12,798,000 |
| Total capital | 14,569,000 | 14,946,000 | 14,549,000 | 14,795,000 |
| Risk-weighted assets | 146,527,000 | 148,722,000 | 153,279,000 | 161,710,000 |