Call reports 2003
MID-VALLEY BANK — 2003
What MID-VALLEY BANK 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 | 73,459,000 | 77,107,000 | 75,025,000 | 77,152,000 |
| Total loans | 46,219,000 | 48,449,000 | 50,728,000 | 54,964,000 |
| Allowance for loan losses | 546,000 | 580,000 | 618,000 | 556,000 |
| Securities available for sale | 19,276,000 | 22,615,000 | 20,213,000 | 16,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,729,000 | 69,028,000 | 67,139,000 | 69,027,000 |
| Interest-bearing deposits | 55,343,000 | 56,099,000 | 54,549,000 | 55,163,000 |
| Noninterest-bearing deposits | 11,386,000 | 12,929,000 | 12,590,000 | 13,864,000 |
| Equity capital | 6,494,000 | 7,791,000 | 7,714,000 | 7,888,000 |
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 | 1,092,000 | 2,246,000 | 3,432,000 | 4,619,000 |
| Interest expense | 331,000 | 642,000 | 925,000 | 1,188,000 |
| Net interest income | 761,000 | 1,604,000 | 2,507,000 | 3,431,000 |
| Noninterest income | 58,000 | 120,000 | 197,000 | 253,000 |
| Noninterest expense | 586,000 | 1,268,000 | 1,984,000 | 2,795,000 |
| Provision for loan losses | 31,000 | 65,000 | 103,000 | 125,000 |
| Pretax income | 202,000 | 698,000 | 1,002,000 | 1,159,000 |
| Income tax | 67,000 | 266,000 | 341,000 | 394,000 |
| Net income | 135,000 | 432,000 | 661,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,131,000 | 7,537,000 | 7,803,000 | 7,913,000 |
| Total capital | 6,677,000 | 8,117,000 | 8,421,000 | 8,469,000 |
| Risk-weighted assets | 54,578,000 | 55,429,000 | 57,450,000 | 60,609,000 |