Call reports 2002
VALLEY PREMIER BANK — 2002
What VALLEY PREMIER 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 | 57,943,000 | 61,056,000 | 61,746,000 | 63,566,000 |
| Total loans | 35,705,000 | 38,510,000 | 39,907,000 | 39,560,000 |
| Allowance for loan losses | 436,000 | 474,000 | 474,000 | 499,000 |
| Securities available for sale | 16,803,000 | 16,511,000 | 13,624,000 | 12,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,513,000 | 54,431,000 | 56,172,000 | 58,109,000 |
| Interest-bearing deposits | 46,706,000 | 46,952,000 | 49,060,000 | 49,232,000 |
| Noninterest-bearing deposits | 6,807,000 | 7,479,000 | 7,112,000 | 8,877,000 |
| Equity capital | 4,189,000 | 4,324,000 | 5,325,000 | 5,291,000 |
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 | 970,000 | 1,962,000 | 2,954,000 | 3,938,000 |
| Interest expense | 331,000 | 645,000 | 949,000 | 1,243,000 |
| Net interest income | 639,000 | 1,317,000 | 2,005,000 | 2,695,000 |
| Noninterest income | 64,000 | 136,000 | 207,000 | 272,000 |
| Noninterest expense | 445,000 | 898,000 | 1,384,000 | 1,899,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 65,000 |
| Pretax income | 258,000 | 515,000 | 861,000 | 1,076,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 257,000 | 514,000 | 860,000 | 1,075,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,024,000 | 3,866,000 | 4,703,000 | 4,718,000 |
| Total capital | 4,460,000 | 4,340,000 | 5,177,000 | 5,217,000 |
| Risk-weighted assets | 38,211,000 | 40,793,000 | 41,471,000 | 41,859,000 |