Call reports 2003
VALLEY PREMIER BANK — 2003
What VALLEY PREMIER 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 | 62,210,000 | 61,684,000 | 64,306,000 | 63,659,000 |
| Total loans | 39,487,000 | 40,280,000 | 38,938,000 | 40,541,000 |
| Allowance for loan losses | 500,000 | 501,000 | 487,000 | 484,000 |
| Securities available for sale | 12,488,000 | 14,481,000 | 16,174,000 | 18,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,961,000 | 56,256,000 | 59,100,000 | 58,367,000 |
| Interest-bearing deposits | 49,395,000 | 48,708,000 | 50,953,000 | 50,089,000 |
| Noninterest-bearing deposits | 7,566,000 | 7,548,000 | 8,147,000 | 8,278,000 |
| Equity capital | 5,077,000 | 5,255,000 | 5,019,000 | 5,197,000 |
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 | 908,000 | 1,813,000 | 2,730,000 | 3,642,000 |
| Interest expense | 255,000 | 483,000 | 678,000 | 858,000 |
| Net interest income | 653,000 | 1,330,000 | 2,052,000 | 2,784,000 |
| Noninterest income | 75,000 | 144,000 | 233,000 | 303,000 |
| Noninterest expense | 461,000 | 919,000 | 1,387,000 | 1,887,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 622,000 | 965,000 | 1,267,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 266,000 | 621,000 | 964,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,546,000 | 4,790,000 | 4,805,000 | 5,008,000 |
| Total capital | 5,046,000 | 5,291,000 | 5,292,000 | 5,492,000 |
| Risk-weighted assets | 41,727,000 | 43,197,000 | 42,931,000 | 43,867,000 |