Call reports 2001
VALLEY BANK — 2001
What VALLEY 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 | 165,407,000 | 173,828,000 | 173,521,000 | 193,677,000 |
| Total loans | 121,651,000 | 128,926,000 | 136,078,000 | 147,478,000 |
| Allowance for loan losses | 1,227,000 | 1,303,000 | 1,369,000 | 1,468,000 |
| Securities available for sale | 33,996,000 | 32,909,000 | 25,323,000 | 31,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,694,000 | 136,274,000 | 135,237,000 | 138,870,000 |
| Interest-bearing deposits | 116,335,000 | 115,028,000 | 115,022,000 | 114,573,000 |
| Noninterest-bearing deposits | 15,359,000 | 21,246,000 | 20,215,000 | 24,297,000 |
| Equity capital | 12,707,000 | 15,222,000 | 15,818,000 | 16,096,000 |
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 | 3,151,000 | 6,354,000 | 9,643,000 | 12,920,000 |
| Interest expense | 1,803,000 | 3,595,000 | 5,321,000 | 6,751,000 |
| Net interest income | 1,348,000 | 2,759,000 | 4,322,000 | 6,169,000 |
| Noninterest income | 107,000 | 227,000 | 351,000 | 514,000 |
| Noninterest expense | 1,001,000 | 2,002,000 | 3,013,000 | 4,026,000 |
| Provision for loan losses | 37,000 | 120,000 | 194,000 | 301,000 |
| Pretax income | 415,000 | 886,000 | 1,541,000 | 2,435,000 |
| Income tax | 99,000 | 233,000 | 432,000 | 734,000 |
| Net income | 316,000 | 653,000 | 1,109,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,586,000 | 15,152,000 | 15,608,000 | 16,200,000 |
| Total capital | 13,813,000 | 16,455,000 | 16,977,000 | 17,668,000 |
| Risk-weighted assets | 129,370,000 | 137,862,000 | 144,288,000 | 161,445,000 |