Call reports 2003
VALLEY BANK AND TRUST CO. — 2003
What VALLEY BANK AND TRUST CO. 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 | 226,197,000 | 242,800,000 | 243,957,000 | 241,425,000 |
| Total loans | 174,729,000 | 181,832,000 | 180,651,000 | 180,517,000 |
| Allowance for loan losses | 2,382,000 | 2,235,000 | 2,538,000 | 2,717,000 |
| Securities available for sale | 24,667,000 | 33,235,000 | 36,866,000 | 31,868,000 |
| Securities held to maturity | 1,314,000 | 1,314,000 | 1,314,000 | 1,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,387,000 | 191,337,000 | 193,072,000 | 197,998,000 |
| Interest-bearing deposits | 173,260,000 | 169,274,000 | 170,704,000 | 171,974,000 |
| Noninterest-bearing deposits | 22,127,000 | 22,063,000 | 22,368,000 | 26,024,000 |
| Equity capital | 19,340,000 | 19,646,000 | 19,925,000 | 20,064,000 |
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 | 3,429,000 | 6,848,000 | 10,268,000 | 13,611,000 |
| Interest expense | 1,330,000 | 2,569,000 | 3,763,000 | 4,873,000 |
| Net interest income | 2,099,000 | 4,279,000 | 6,505,000 | 8,738,000 |
| Noninterest income | 422,000 | 739,000 | 1,093,000 | 1,475,000 |
| Noninterest expense | 1,712,000 | 3,401,000 | 5,138,000 | 6,940,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 509,000 | 1,081,000 | 1,702,000 | 2,238,000 |
| Income tax | 168,000 | 360,000 | 564,000 | 736,000 |
| Net income | 341,000 | 721,000 | 1,138,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,698,000 | 17,025,000 | 17,220,000 | 17,562,000 |
| Total capital | 18,978,000 | 19,260,000 | 19,615,000 | 19,936,000 |
| Risk-weighted assets | 182,239,000 | 190,242,000 | 191,436,000 | 189,593,000 |