Call reports 2003
VALLEY VIEW STATE BANK — 2003
What VALLEY VIEW STATE 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 | 623,673,000 | 633,373,000 | 640,411,000 | 625,608,000 |
| Total loans | 381,119,000 | 399,157,000 | 404,133,000 | 403,320,000 |
| Allowance for loan losses | 7,726,000 | 8,129,000 | 8,374,000 | 10,467,000 |
| Securities available for sale | 69,565,000 | 74,549,000 | 77,405,000 | 92,187,000 |
| Securities held to maturity | 128,309,000 | 119,293,000 | 115,659,000 | 107,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,193,000 | 505,659,000 | 513,060,000 | 516,781,000 |
| Interest-bearing deposits | 420,334,000 | 429,393,000 | 434,860,000 | 435,066,000 |
| Noninterest-bearing deposits | 76,859,000 | 76,266,000 | 78,200,000 | 81,715,000 |
| Equity capital | 96,488,000 | 98,342,000 | 99,576,000 | 75,384,000 |
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 | 8,540,000 | 17,207,000 | 25,730,000 | 34,693,000 |
| Interest expense | 2,588,000 | 5,197,000 | 7,579,000 | 9,876,000 |
| Net interest income | 5,952,000 | 12,010,000 | 18,151,000 | 24,817,000 |
| Noninterest income | 579,000 | 1,476,000 | 2,191,000 | 5,466,000 |
| Noninterest expense | 2,892,000 | 5,701,000 | 8,615,000 | 11,587,000 |
| Provision for loan losses | 0 | 230,000 | 236,000 | 2,723,000 |
| Pretax income | 3,639,000 | 7,555,000 | 11,491,000 | 15,973,000 |
| Income tax | 1,322,000 | 2,768,000 | 4,176,000 | 5,828,000 |
| Net income | 2,317,000 | 4,787,000 | 7,315,000 | 10,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,572,000 | 97,408,000 | 99,607,000 | 74,925,000 |
| Total capital | 101,354,000 | 103,318,000 | 105,596,000 | 81,039,000 |
| Risk-weighted assets | 460,578,000 | 470,583,000 | 476,752,000 | 484,745,000 |