Call reports 2002
VALLEY BANK — 2002
What VALLEY BANK 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 | 14,747,000 | 16,649,000 | 20,038,000 | 22,467,000 |
| Total loans | 13,147,000 | 13,466,000 | 14,507,000 | 18,084,000 |
| Allowance for loan losses | 168,000 | 183,000 | 198,000 | 213,000 |
| Securities available for sale | 115,000 | 113,000 | 109,000 | 105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,779,000 | 12,643,000 | 16,037,000 | 18,447,000 |
| Interest-bearing deposits | 8,511,000 | 8,679,000 | 11,786,000 | 13,648,000 |
| Noninterest-bearing deposits | 2,268,000 | 3,964,000 | 4,251,000 | 4,799,000 |
| Equity capital | 3,892,000 | 3,927,000 | 3,914,000 | 3,905,000 |
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 | 270,000 | 544,000 | 818,000 | 1,131,000 |
| Interest expense | 48,000 | 89,000 | 136,000 | 199,000 |
| Net interest income | 222,000 | 455,000 | 682,000 | 932,000 |
| Noninterest income | 16,000 | 35,000 | 52,000 | 73,000 |
| Noninterest expense | 176,000 | 360,000 | 616,000 | 891,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 47,000 | 100,000 | 73,000 | 54,000 |
| Income tax | 22,000 | 40,000 | 27,000 | 17,000 |
| Net income | 25,000 | 60,000 | 46,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,888,000 | 3,923,000 | 3,909,000 | 3,900,000 |
| Total capital | 4,056,000 | 4,098,000 | 4,107,000 | 4,113,000 |
| Risk-weighted assets | 13,702,000 | 14,012,000 | 15,837,000 | 19,732,000 |