Call reports 2002
MID-VALLEY BANK — 2002
What MID-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 | 56,424,000 | 61,968,000 | 67,030,000 | 68,851,000 |
| Total loans | 36,139,000 | 39,873,000 | 42,133,000 | 42,754,000 |
| Allowance for loan losses | 389,000 | 446,000 | 489,000 | 515,000 |
| Securities available for sale | 14,542,000 | 11,975,000 | 20,376,000 | 19,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,883,000 | 57,127,000 | 61,749,000 | 63,353,000 |
| Interest-bearing deposits | 43,649,000 | 48,491,000 | 52,741,000 | 52,164,000 |
| Noninterest-bearing deposits | 8,234,000 | 8,636,000 | 9,008,000 | 11,189,000 |
| Equity capital | 4,436,000 | 4,682,000 | 4,991,000 | 5,147,000 |
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 | 946,000 | 1,962,000 | 3,031,000 | 4,158,000 |
| Interest expense | 386,000 | 753,000 | 1,123,000 | 1,476,000 |
| Net interest income | 560,000 | 1,209,000 | 1,908,000 | 2,682,000 |
| Noninterest income | 57,000 | 94,000 | 130,000 | 218,000 |
| Noninterest expense | 444,000 | 888,000 | 1,364,000 | 1,865,000 |
| Provision for loan losses | 27,000 | 84,000 | 127,000 | 153,000 |
| Pretax income | 140,000 | 331,000 | 547,000 | 882,000 |
| Income tax | 43,000 | 104,000 | 175,000 | 291,000 |
| Net income | 97,000 | 227,000 | 372,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,385,000 | 4,515,000 | 4,660,000 | 4,879,000 |
| Total capital | 4,774,000 | 4,961,000 | 5,149,000 | 5,394,000 |
| Risk-weighted assets | 46,530,000 | 48,140,000 | 50,039,000 | 49,890,000 |