Call reports 2002
UNITED VALLEY BANK — 2002
What UNITED VALLEY 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 | 70,551,000 | 71,209,000 | 73,045,000 | 76,769,000 |
| Total loans | 55,634,000 | 55,289,000 | 55,364,000 | 56,588,000 |
| Allowance for loan losses | 1,087,000 | 1,125,000 | 1,173,000 | 1,199,000 |
| Securities available for sale | 8,876,000 | 8,684,000 | 10,560,000 | 11,167,000 |
| Securities held to maturity | 1,866,000 | 1,780,000 | 1,779,000 | 2,223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,164,000 | 64,802,000 | 66,481,000 | 70,060,000 |
| Interest-bearing deposits | 58,190,000 | 58,703,000 | 60,025,000 | 60,844,000 |
| Noninterest-bearing deposits | 5,974,000 | 6,099,000 | 6,456,000 | 9,216,000 |
| Equity capital | 5,475,000 | 5,692,000 | 5,904,000 | 6,014,000 |
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 | 1,173,000 | 2,326,000 | 3,479,000 | 4,628,000 |
| Interest expense | 503,000 | 970,000 | 1,432,000 | 1,863,000 |
| Net interest income | 670,000 | 1,356,000 | 2,047,000 | 2,765,000 |
| Noninterest income | 109,000 | 170,000 | 260,000 | 390,000 |
| Noninterest expense | 502,000 | 997,000 | 1,491,000 | 2,125,000 |
| Provision for loan losses | 50,000 | 80,000 | 120,000 | 150,000 |
| Pretax income | 227,000 | 449,000 | 696,000 | 880,000 |
| Income tax | 16,000 | 31,000 | 48,000 | 69,000 |
| Net income | 211,000 | 418,000 | 648,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,408,000 | 5,534,000 | 5,689,000 | 5,773,000 |
| Total capital | 6,111,000 | 6,229,000 | 6,403,000 | 6,508,000 |
| Risk-weighted assets | 55,875,000 | 55,205,000 | 56,673,000 | 58,325,000 |