Call reports 2002
VALLEY BANK — 2002
What VALLEY 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 | 206,700,000 | 220,725,000 | 239,563,000 | 248,713,000 |
| Total loans | 157,014,000 | 170,847,000 | 173,368,000 | 185,573,000 |
| Allowance for loan losses | 1,655,000 | 1,807,000 | 1,925,000 | 2,014,000 |
| Securities available for sale | 34,106,000 | 33,207,000 | 32,776,000 | 19,760,000 |
| Securities held to maturity | 0 | 0 | 16,523,000 | 20,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,629,000 | 166,398,000 | 171,807,000 | 182,308,000 |
| Interest-bearing deposits | 125,736,000 | 143,155,000 | 146,861,000 | 151,584,000 |
| Noninterest-bearing deposits | 22,893,000 | 23,243,000 | 24,946,000 | 30,724,000 |
| Equity capital | 16,350,000 | 17,364,000 | 18,277,000 | 18,781,000 |
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 | 3,168,000 | 6,582,000 | 10,131,000 | 13,739,000 |
| Interest expense | 1,267,000 | 2,582,000 | 4,035,000 | 5,468,000 |
| Net interest income | 1,901,000 | 4,000,000 | 6,096,000 | 8,271,000 |
| Noninterest income | 170,000 | 363,000 | 554,000 | 803,000 |
| Noninterest expense | 1,213,000 | 2,555,000 | 3,913,000 | 5,299,000 |
| Provision for loan losses | 187,000 | 398,000 | 516,000 | 610,000 |
| Pretax income | 671,000 | 1,410,000 | 2,221,000 | 3,199,000 |
| Income tax | 194,000 | 407,000 | 639,000 | 920,000 |
| Net income | 477,000 | 1,003,000 | 1,582,000 | 2,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,677,000 | 17,203,000 | 17,782,000 | 18,479,000 |
| Total capital | 18,332,000 | 19,010,000 | 19,707,000 | 20,493,000 |
| Risk-weighted assets | 170,580,000 | 185,556,000 | 190,092,000 | 201,262,000 |