Call reports 2003
EAST VALLEY COMMUNITY BANK — 2003
What EAST VALLEY COMMUNITY 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 | 37,994,000 | 41,144,000 | 43,989,000 | 43,925,000 |
| Total loans | 31,879,000 | 34,767,000 | 32,491,000 | 37,405,000 |
| Allowance for loan losses | 405,000 | 407,000 | 382,000 | 440,000 |
| Securities available for sale | 3,037,000 | 3,025,000 | 3,005,000 | 3,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,622,000 | 37,046,000 | 39,124,000 | 38,232,000 |
| Interest-bearing deposits | 28,771,000 | 32,031,000 | 32,965,000 | 31,920,000 |
| Noninterest-bearing deposits | 4,851,000 | 5,015,000 | 6,159,000 | 6,312,000 |
| Equity capital | 4,060,000 | 4,008,000 | 3,999,000 | 3,979,000 |
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 | 588,000 | 1,209,000 | 1,879,000 | 2,505,000 |
| Interest expense | 238,000 | 478,000 | 698,000 | 872,000 |
| Net interest income | 350,000 | 731,000 | 1,181,000 | 1,633,000 |
| Noninterest income | 71,000 | 176,000 | 275,000 | 363,000 |
| Noninterest expense | 536,000 | 1,099,000 | 1,641,000 | 2,170,000 |
| Provision for loan losses | 14,000 | 15,000 | 16,000 | 247,000 |
| Pretax income | -129,000 | -207,000 | -201,000 | -421,000 |
| Income tax | -43,000 | -69,000 | -67,000 | -142,000 |
| Net income | -86,000 | -138,000 | -134,000 | -279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,391,000 | 3,339,000 | 3,323,000 | 3,303,000 |
| Total capital | 3,783,000 | 3,746,000 | 3,705,000 | 3,743,000 |
| Risk-weighted assets | 31,317,000 | 33,741,000 | 33,928,000 | 37,341,000 |