Call reports 2001
VALLEY RIDGE BANK — 2001
What VALLEY RIDGE 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 | 170,073,000 | 169,189,000 | 168,784,000 | 169,041,000 |
| Total loans | 119,107,000 | 119,334,000 | 123,830,000 | 123,514,000 |
| Allowance for loan losses | 1,664,000 | 1,678,000 | 1,688,000 | 1,239,000 |
| Securities available for sale | 28,102,000 | 27,969,000 | 30,056,000 | 27,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,019,000 | 125,596,000 | 125,079,000 | 123,946,000 |
| Interest-bearing deposits | 105,944,000 | 104,943,000 | 102,515,000 | 100,582,000 |
| Noninterest-bearing deposits | 19,075,000 | 20,653,000 | 22,564,000 | 23,364,000 |
| Equity capital | 16,533,000 | 16,774,000 | 17,269,000 | 17,150,000 |
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 | 3,227,000 | 6,386,000 | 9,496,000 | 12,566,000 |
| Interest expense | 1,520,000 | 2,908,000 | 4,153,000 | 5,194,000 |
| Net interest income | 1,707,000 | 3,478,000 | 5,343,000 | 7,372,000 |
| Noninterest income | 436,000 | 976,000 | 1,412,000 | 1,871,000 |
| Noninterest expense | 1,662,000 | 3,322,000 | 4,987,000 | 6,667,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 680,000 |
| Pretax income | 545,000 | 1,304,000 | 1,915,000 | 2,292,000 |
| Income tax | 117,000 | 298,000 | 460,000 | 520,000 |
| Net income | 428,000 | 1,006,000 | 1,455,000 | 1,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,958,000 | 16,380,000 | 16,638,000 | 16,770,000 |
| Total capital | 17,457,000 | 17,865,000 | 18,172,000 | 18,009,000 |
| Risk-weighted assets | 119,760,000 | 118,602,000 | 122,600,000 | 123,409,000 |