Call reports 2003
HOPEWELL VALLEY COMMUNITY BANK — 2003
What HOPEWELL 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 | 104,455,000 | 110,828,000 | 128,270,000 | 133,419,000 |
| Total loans | 72,332,000 | 83,106,000 | 89,108,000 | 91,709,000 |
| Allowance for loan losses | 807,000 | 850,000 | 915,000 | 974,000 |
| Securities available for sale | 18,514,000 | 19,450,000 | 18,232,000 | 19,284,000 |
| Securities held to maturity | 692,000 | 1,614,000 | 1,615,000 | 1,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,655,000 | 100,886,000 | 114,905,000 | 119,519,000 |
| Interest-bearing deposits | 83,448,000 | 87,680,000 | 100,057,000 | 103,484,000 |
| Noninterest-bearing deposits | 11,207,000 | 13,206,000 | 14,848,000 | 16,035,000 |
| Equity capital | 9,420,000 | 9,556,000 | 12,850,000 | 13,474,000 |
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 | 1,427,000 | 2,906,000 | 4,453,000 | 6,141,000 |
| Interest expense | 506,000 | 1,007,000 | 1,504,000 | 2,017,000 |
| Net interest income | 921,000 | 1,899,000 | 2,949,000 | 4,124,000 |
| Noninterest income | 190,000 | 346,000 | 554,000 | 716,000 |
| Noninterest expense | 842,000 | 1,713,000 | 2,624,000 | 3,595,000 |
| Provision for loan losses | 37,000 | 80,000 | 146,000 | 205,000 |
| Pretax income | 232,000 | 452,000 | 733,000 | 1,040,000 |
| Income tax | 58,000 | 123,000 | 203,000 | 301,000 |
| Net income | 174,000 | 329,000 | 530,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,302,000 | 9,457,000 | 13,000,000 | 13,579,000 |
| Total capital | 10,109,000 | 10,307,000 | 13,915,000 | 14,553,000 |
| Risk-weighted assets | 75,092,000 | 83,997,000 | 93,668,000 | 96,002,000 |