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 | 202,684,000 | 206,078,000 | 216,594,000 | 223,393,000 |
| Total loans | 127,974,000 | 133,825,000 | 136,575,000 | 149,138,000 |
| Allowance for loan losses | 1,343,000 | 1,262,000 | 1,524,000 | 1,599,000 |
| Securities available for sale | 58,570,000 | 58,700,000 | 59,220,000 | 63,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 31,000 | 8,000 | 2,000 |
| Total deposits | 143,839,000 | 147,486,000 | 162,753,000 | 164,027,000 |
| Interest-bearing deposits | 127,985,000 | 135,124,000 | 148,567,000 | 145,412,000 |
| Noninterest-bearing deposits | 15,854,000 | 12,362,000 | 14,186,000 | 18,615,000 |
| Equity capital | 16,467,000 | 16,573,000 | 17,345,000 | 17,369,000 |
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 | 3,745,000 | 7,526,000 | 11,264,000 | 14,966,000 |
| Interest expense | 2,400,000 | 4,669,000 | 6,652,000 | 8,539,000 |
| Net interest income | 1,345,000 | 2,857,000 | 4,612,000 | 6,427,000 |
| Noninterest income | 513,000 | 1,201,000 | 1,887,000 | 2,899,000 |
| Noninterest expense | 1,063,000 | 2,431,000 | 3,969,000 | 5,991,000 |
| Provision for loan losses | 250,000 | 601,000 | 876,000 | 1,191,000 |
| Pretax income | 566,000 | 1,118,000 | 1,755,000 | 2,264,000 |
| Income tax | 170,000 | 334,000 | 519,000 | 563,000 |
| Net income | 396,000 | 784,000 | 1,236,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,570,000 | 15,970,000 | 16,433,000 | 16,910,000 |
| Total capital | 16,913,000 | 17,232,000 | 17,957,000 | 18,509,000 |
| Risk-weighted assets | 134,185,000 | 140,007,000 | 147,666,000 | 160,470,000 |