Call reports 2001
VALLEY STATE BANK — 2001
What VALLEY STATE BANK 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 | 96,385,000 | 96,836,000 | 99,499,000 | 101,864,000 |
| Total loans | 65,112,000 | 67,752,000 | 68,825,000 | 68,501,000 |
| Allowance for loan losses | 1,335,000 | 1,475,000 | 1,591,000 | 1,604,000 |
| Securities available for sale | 18,708,000 | 18,603,000 | 17,916,000 | 22,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,451,000 | 76,835,000 | 79,046,000 | 81,564,000 |
| Interest-bearing deposits | 68,300,000 | 69,366,000 | 70,769,000 | 72,372,000 |
| Noninterest-bearing deposits | 8,151,000 | 7,469,000 | 8,277,000 | 9,192,000 |
| Equity capital | 8,680,000 | 8,779,000 | 9,178,000 | 9,208,000 |
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 | 1,952,000 | 3,924,000 | 5,857,000 | 7,760,000 |
| Interest expense | 921,000 | 1,857,000 | 2,741,000 | 3,555,000 |
| Net interest income | 1,031,000 | 2,067,000 | 3,116,000 | 4,205,000 |
| Noninterest income | 102,000 | 195,000 | 388,000 | 520,000 |
| Noninterest expense | 558,000 | 1,156,000 | 1,720,000 | 2,659,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 455,000 | 866,000 | 1,424,000 | 1,588,000 |
| Income tax | 0 | -28,000 | -27,000 | -55,000 |
| Net income | 455,000 | 894,000 | 1,451,000 | 1,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,203,000 | 8,264,000 | 8,445,000 | 8,640,000 |
| Total capital | 9,039,000 | 9,126,000 | 9,325,000 | 9,528,000 |
| Risk-weighted assets | 66,415,000 | 68,317,000 | 69,662,000 | 70,361,000 |