Call reports 2002
VALLEY RIDGE BANK — 2002
What VALLEY RIDGE 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 | 172,845,000 | 177,815,000 | 187,452,000 | 188,533,000 |
| Total loans | 122,581,000 | 122,116,000 | 126,595,000 | 123,742,000 |
| Allowance for loan losses | 1,364,000 | 1,362,000 | 1,397,000 | 1,632,000 |
| Securities available for sale | 29,990,000 | 29,343,000 | 33,428,000 | 42,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,313,000 | 130,945,000 | 138,368,000 | 140,699,000 |
| Interest-bearing deposits | 106,185,000 | 108,195,000 | 113,563,000 | 114,621,000 |
| Noninterest-bearing deposits | 22,128,000 | 22,750,000 | 24,805,000 | 26,078,000 |
| Equity capital | 17,314,000 | 17,912,000 | 18,402,000 | 18,797,000 |
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 | 2,889,000 | 5,787,000 | 8,788,000 | 11,817,000 |
| Interest expense | 954,000 | 1,919,000 | 2,946,000 | 3,971,000 |
| Net interest income | 1,935,000 | 3,868,000 | 5,842,000 | 7,846,000 |
| Noninterest income | 511,000 | 1,143,000 | 1,796,000 | 2,705,000 |
| Noninterest expense | 1,767,000 | 3,576,000 | 5,498,000 | 7,449,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 335,000 |
| Pretax income | 668,000 | 1,408,000 | 2,118,000 | 2,880,000 |
| Income tax | 182,000 | 384,000 | 559,000 | 753,000 |
| Net income | 486,000 | 1,024,000 | 1,559,000 | 2,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,066,000 | 17,418,000 | 17,743,000 | 18,100,000 |
| Total capital | 18,430,000 | 18,780,000 | 19,140,000 | 19,717,000 |
| Risk-weighted assets | 131,595,000 | 124,778,000 | 130,591,000 | 129,373,000 |