Call reports 2002
VALLEY VIEW STATE BANK — 2002
What VALLEY VIEW STATE 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 | 561,732,000 | 564,034,000 | 582,850,000 | 612,660,000 |
| Total loans | 367,311,000 | 377,127,000 | 367,742,000 | 376,845,000 |
| Allowance for loan losses | 6,438,000 | 6,221,000 | 7,037,000 | 7,659,000 |
| Securities available for sale | 53,525,000 | 61,510,000 | 70,432,000 | 78,602,000 |
| Securities held to maturity | 92,558,000 | 100,589,000 | 104,998,000 | 125,677,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,472,000 | 449,287,000 | 461,589,000 | 488,340,000 |
| Interest-bearing deposits | 382,730,000 | 380,095,000 | 391,813,000 | 414,026,000 |
| Noninterest-bearing deposits | 66,742,000 | 69,192,000 | 69,776,000 | 74,314,000 |
| Equity capital | 82,044,000 | 84,518,000 | 93,223,000 | 94,732,000 |
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 | 8,872,000 | 17,751,000 | 26,832,000 | 35,690,000 |
| Interest expense | 3,060,000 | 5,934,000 | 8,814,000 | 11,591,000 |
| Net interest income | 5,812,000 | 11,817,000 | 18,018,000 | 24,099,000 |
| Noninterest income | 540,000 | 1,243,000 | 2,626,000 | 3,355,000 |
| Noninterest expense | 2,605,000 | 5,200,000 | 7,975,000 | 10,657,000 |
| Provision for loan losses | 0 | 90,000 | 1,087,000 | 2,887,000 |
| Pretax income | 3,747,000 | 7,770,000 | 11,582,000 | 13,910,000 |
| Income tax | 1,396,000 | 2,883,000 | 4,281,000 | 4,526,000 |
| Net income | 2,351,000 | 4,887,000 | 7,301,000 | 9,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,447,000 | 83,320,000 | 92,021,000 | 93,576,000 |
| Total capital | 86,786,000 | 88,828,000 | 97,531,000 | 99,227,000 |
| Risk-weighted assets | 426,049,000 | 439,923,000 | 439,265,000 | 450,033,000 |