Call reports 2001
VALLEY BANK — 2001
What VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 15,595,000 | 14,926,000 | 15,520,000 | 14,928,000 |
| Total loans | 11,807,000 | 11,947,000 | 12,545,000 | 12,672,000 |
| Allowance for loan losses | 141,000 | 157,000 | 157,000 | 153,000 |
| Securities available for sale | 183,000 | 150,000 | 124,000 | 119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,674,000 | 11,022,000 | 11,571,000 | 10,973,000 |
| Interest-bearing deposits | 9,590,000 | 9,584,000 | 9,763,000 | 9,228,000 |
| Noninterest-bearing deposits | 2,084,000 | 1,438,000 | 1,808,000 | 1,745,000 |
| Equity capital | 3,801,000 | 3,807,000 | 3,845,000 | 3,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 276,000 | 556,000 | 842,000 | 1,118,000 |
| Interest expense | 111,000 | 204,000 | 290,000 | 361,000 |
| Net interest income | 165,000 | 352,000 | 552,000 | 757,000 |
| Noninterest income | 9,000 | 25,000 | 40,000 | 67,000 |
| Noninterest expense | 175,000 | 349,000 | 508,000 | 709,000 |
| Provision for loan losses | 16,000 | 32,000 | 32,000 | 32,000 |
| Pretax income | -17,000 | -4,000 | 52,000 | 83,000 |
| Income tax | -6,000 | -1,000 | 18,000 | 27,000 |
| Net income | -11,000 | -3,000 | 34,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,797,000 | 3,805,000 | 3,841,000 | 3,863,000 |
| Total capital | 3,938,000 | 3,962,000 | 3,998,000 | 4,016,000 |
| Risk-weighted assets | 13,040,000 | 12,957,000 | 13,478,000 | 13,439,000 |