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 | 240,678,000 | 251,204,000 | 269,872,000 | 281,930,000 |
| Total loans | 156,151,000 | 155,781,000 | 169,159,000 | 182,940,000 |
| Allowance for loan losses | 1,699,000 | 1,674,000 | 1,664,000 | 1,784,000 |
| Securities available for sale | 73,255,000 | 72,425,000 | 74,705,000 | 69,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,000 | 0 | 0 | 0 |
| Total deposits | 181,774,000 | 190,757,000 | 199,551,000 | 211,680,000 |
| Interest-bearing deposits | 162,332,000 | 169,898,000 | 177,950,000 | 188,363,000 |
| Noninterest-bearing deposits | 19,442,000 | 20,859,000 | 21,601,000 | 23,317,000 |
| Equity capital | 17,463,000 | 18,483,000 | 20,282,000 | 22,130,000 |
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 | 3,682,000 | 7,403,000 | 11,524,000 | 15,663,000 |
| Interest expense | 1,807,000 | 3,682,000 | 5,699,000 | 7,797,000 |
| Net interest income | 1,875,000 | 3,721,000 | 5,825,000 | 7,866,000 |
| Noninterest income | 640,000 | 1,541,000 | 2,711,000 | 4,320,000 |
| Noninterest expense | 1,652,000 | 3,481,000 | 5,910,000 | 8,562,000 |
| Provision for loan losses | 150,000 | 400,000 | 900,000 | 1,050,000 |
| Pretax income | 735,000 | 1,428,000 | 2,067,000 | 2,964,000 |
| Income tax | 207,000 | 392,000 | 549,000 | 761,000 |
| Net income | 528,000 | 1,036,000 | 1,518,000 | 2,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,071,000 | 17,579,000 | 18,580,000 | 20,565,000 |
| Total capital | 18,770,000 | 19,253,000 | 20,244,000 | 22,349,000 |
| Risk-weighted assets | 173,863,000 | 181,144,000 | 189,875,000 | 198,590,000 |