Call reports 2002
BANK OF THE VALLEY — 2002
What BANK OF THE VALLEY 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 | 30,964,000 | 30,198,000 | 32,146,000 | 32,676,000 |
| Total loans | 23,728,000 | 25,194,000 | 27,258,000 | 26,173,000 |
| Allowance for loan losses | 441,000 | 471,000 | 477,000 | 478,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,833,000 | 2,829,000 | 2,627,000 | 2,745,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,157,000 | 27,242,000 | 28,415,000 | 29,798,000 |
| Interest-bearing deposits | 24,155,000 | 23,829,000 | 24,762,000 | 25,696,000 |
| Noninterest-bearing deposits | 4,002,000 | 3,413,000 | 3,653,000 | 4,102,000 |
| Equity capital | 2,537,000 | 2,540,000 | 2,577,000 | 2,607,000 |
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 | 496,000 | 996,000 | 1,501,000 | 2,012,000 |
| Interest expense | 206,000 | 389,000 | 570,000 | 745,000 |
| Net interest income | 290,000 | 607,000 | 931,000 | 1,267,000 |
| Noninterest income | 49,000 | 99,000 | 140,000 | 196,000 |
| Noninterest expense | 217,000 | 475,000 | 738,000 | 971,000 |
| Provision for loan losses | 23,000 | 56,000 | 77,000 | 100,000 |
| Pretax income | 99,000 | 175,000 | 256,000 | 392,000 |
| Income tax | 4,000 | -13,000 | 16,000 | 110,000 |
| Net income | 95,000 | 188,000 | 240,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,537,000 | 2,540,000 | 2,577,000 | 2,607,000 |
| Total capital | 2,839,000 | 2,843,000 | 2,901,000 | 2,925,000 |
| Risk-weighted assets | 24,191,000 | 24,132,000 | 25,743,000 | 25,276,000 |