Call reports 2004
HOPEWELL VALLEY COMMUNITY BANK — 2004
What HOPEWELL VALLEY COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 144,142,000 | 149,258,000 | 153,880,000 | 163,357,000 |
| Total loans | 99,336,000 | 107,534,000 | 108,985,000 | 121,703,000 |
| Allowance for loan losses | 1,043,000 | 1,134,000 | 1,194,000 | 1,254,000 |
| Securities available for sale | 22,036,000 | 24,331,000 | 23,422,000 | 25,112,000 |
| Securities held to maturity | 2,482,000 | 2,544,000 | 2,536,000 | 1,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,150,000 | 132,656,000 | 136,460,000 | 148,131,000 |
| Interest-bearing deposits | 107,723,000 | 116,056,000 | 118,324,000 | 128,682,000 |
| Noninterest-bearing deposits | 19,427,000 | 16,600,000 | 18,136,000 | 19,449,000 |
| Equity capital | 13,925,000 | 13,746,000 | 14,390,000 | 14,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 3,497,000 | 5,481,000 | 7,629,000 |
| Interest expense | 505,000 | 1,061,000 | 1,639,000 | 2,293,000 |
| Net interest income | 1,174,000 | 2,436,000 | 3,842,000 | 5,336,000 |
| Noninterest income | 212,000 | 391,000 | 548,000 | 712,000 |
| Noninterest expense | 988,000 | 1,955,000 | 2,998,000 | 4,176,000 |
| Provision for loan losses | 69,000 | 160,000 | 220,000 | 280,000 |
| Pretax income | 364,000 | 747,000 | 1,207,000 | 1,627,000 |
| Income tax | 98,000 | 209,000 | 352,000 | 464,000 |
| Net income | 266,000 | 538,000 | 855,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,847,000 | 14,131,000 | 14,449,000 | 14,757,000 |
| Total capital | 14,890,000 | 15,265,000 | 15,643,000 | 16,011,000 |
| Risk-weighted assets | 104,264,000 | 110,938,000 | 114,254,000 | 126,032,000 |