Call reports 2002
VALLEY BANK AND TRUST CO. — 2002
What VALLEY BANK AND TRUST CO. 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 | 214,080,000 | 224,886,000 | 235,580,000 | 236,470,000 |
| Total loans | 156,931,000 | 173,336,000 | 183,160,000 | 180,906,000 |
| Allowance for loan losses | 1,968,000 | 2,018,000 | 2,276,000 | 2,377,000 |
| Securities available for sale | 33,773,000 | 24,566,000 | 26,552,000 | 27,993,000 |
| Securities held to maturity | 1,460,000 | 1,460,000 | 1,460,000 | 1,460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,723,000 | 182,294,000 | 188,086,000 | 200,145,000 |
| Interest-bearing deposits | 151,315,000 | 161,650,000 | 168,076,000 | 175,209,000 |
| Noninterest-bearing deposits | 19,408,000 | 20,644,000 | 20,010,000 | 24,936,000 |
| Equity capital | 16,000,000 | 16,241,000 | 16,714,000 | 19,344,000 |
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 | 3,448,000 | 6,918,000 | 10,534,000 | 14,100,000 |
| Interest expense | 1,554,000 | 3,052,000 | 4,563,000 | 6,030,000 |
| Net interest income | 1,894,000 | 3,866,000 | 5,971,000 | 8,070,000 |
| Noninterest income | 653,000 | 1,335,000 | 2,243,000 | 3,068,000 |
| Noninterest expense | 1,721,000 | 3,501,000 | 5,379,000 | 7,520,000 |
| Provision for loan losses | 150,000 | 550,000 | 850,000 | 1,400,000 |
| Pretax income | 688,000 | 1,164,000 | 1,999,000 | 2,232,000 |
| Income tax | 228,000 | 381,000 | 657,000 | 707,000 |
| Net income | 460,000 | 783,000 | 1,342,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,959,000 | 13,361,000 | 13,687,000 | 16,413,000 |
| Total capital | 14,927,000 | 15,379,000 | 15,963,000 | 18,725,000 |
| Risk-weighted assets | 164,588,000 | 177,669,000 | 186,741,000 | 184,933,000 |