Call reports 2003
VALLEY RIDGE BANK — 2003
What VALLEY RIDGE 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 | 191,280,000 | 193,799,000 | 196,499,000 | 192,869,000 |
| Total loans | 124,112,000 | 122,521,000 | 123,294,000 | 122,392,000 |
| Allowance for loan losses | 1,784,000 | 1,793,000 | 1,748,000 | 1,749,000 |
| Securities available for sale | 43,208,000 | 41,315,000 | 41,656,000 | 46,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,027,000 | 147,885,000 | 150,046,000 | 153,513,000 |
| Interest-bearing deposits | 119,474,000 | 119,737,000 | 122,682,000 | 124,301,000 |
| Noninterest-bearing deposits | 25,553,000 | 28,148,000 | 27,364,000 | 29,212,000 |
| Equity capital | 19,090,000 | 19,591,000 | 19,479,000 | 18,481,000 |
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 | 2,868,000 | 5,696,000 | 8,416,000 | 11,051,000 |
| Interest expense | 971,000 | 1,934,000 | 2,876,000 | 3,773,000 |
| Net interest income | 1,897,000 | 3,762,000 | 5,540,000 | 7,278,000 |
| Noninterest income | 838,000 | 1,823,000 | 2,742,000 | 3,610,000 |
| Noninterest expense | 1,955,000 | 4,005,000 | 5,959,000 | 7,841,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 742,000 | 1,525,000 | 2,235,000 | 2,932,000 |
| Income tax | 191,000 | 403,000 | 577,000 | 747,000 |
| Net income | 551,000 | 1,122,000 | 1,658,000 | 2,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,432,000 | 18,782,000 | 19,101,000 | 17,948,000 |
| Total capital | 20,075,000 | 20,434,000 | 20,792,000 | 19,630,000 |
| Risk-weighted assets | 131,267,000 | 131,980,000 | 135,231,000 | 134,490,000 |