Call reports 2002
VALLEY STATE BANK — 2002
What VALLEY STATE BANK 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 | 101,911,000 | 101,345,000 | 104,564,000 | 104,505,000 |
| Total loans | 69,567,000 | 72,754,000 | 73,395,000 | 73,117,000 |
| Allowance for loan losses | 1,739,000 | 1,815,000 | 1,974,000 | 1,900,000 |
| Securities available for sale | 22,648,000 | 20,993,000 | 20,948,000 | 19,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,812,000 | 80,589,000 | 83,018,000 | 84,470,000 |
| Interest-bearing deposits | 73,624,000 | 71,858,000 | 73,746,000 | 75,078,000 |
| Noninterest-bearing deposits | 8,188,000 | 8,731,000 | 9,272,000 | 9,392,000 |
| Equity capital | 8,993,000 | 9,731,000 | 10,458,000 | 9,003,000 |
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 | 1,762,000 | 3,498,000 | 5,225,000 | 6,927,000 |
| Interest expense | 742,000 | 1,412,000 | 2,064,000 | 2,699,000 |
| Net interest income | 1,020,000 | 2,086,000 | 3,161,000 | 4,228,000 |
| Noninterest income | 97,000 | 197,000 | 367,000 | 483,000 |
| Noninterest expense | 603,000 | 1,230,000 | 1,825,000 | 2,835,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 394,000 | 813,000 | 1,343,000 | 1,396,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 394,000 | 813,000 | 1,343,000 | 1,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,658,000 | 9,078,000 | 9,610,000 | 8,265,000 |
| Total capital | 9,554,000 | 9,997,000 | 10,547,000 | 9,195,000 |
| Risk-weighted assets | 70,867,000 | 72,593,000 | 73,944,000 | 73,456,000 |