Call reports 2001
VALLEY CENTRAL BANK — 2001
What VALLEY CENTRAL 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 | 77,678,000 | 78,335,000 | 80,039,000 | 81,401,000 |
| Total loans | 59,589,000 | 59,824,000 | 59,664,000 | 58,360,000 |
| Allowance for loan losses | 231,000 | 234,000 | 236,000 | 240,000 |
| Securities available for sale | 4,405,000 | 4,847,000 | 5,047,000 | 4,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,469,000 | 57,822,000 | 59,380,000 | 60,518,000 |
| Interest-bearing deposits | 57,309,000 | 57,690,000 | 59,226,000 | 60,266,000 |
| Noninterest-bearing deposits | 160,000 | 132,000 | 154,000 | 252,000 |
| Equity capital | 18,715,000 | 19,064,000 | 19,263,000 | 19,540,000 |
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 | 1,396,000 | 2,792,000 | 4,182,000 | 5,506,000 |
| Interest expense | 718,000 | 1,435,000 | 2,135,000 | 2,791,000 |
| Net interest income | 678,000 | 1,357,000 | 2,047,000 | 2,715,000 |
| Noninterest income | 9,000 | 18,000 | 28,000 | 35,000 |
| Noninterest expense | 355,000 | 637,000 | 919,000 | 1,181,000 |
| Provision for loan losses | 3,000 | 6,000 | 8,000 | 12,000 |
| Pretax income | 329,000 | 732,000 | 1,148,000 | 1,557,000 |
| Income tax | 112,000 | 249,000 | 390,000 | 529,000 |
| Net income | 217,000 | 483,000 | 758,000 | 1,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,807,000 | 18,073,000 | 18,348,000 | 18,618,000 |
| Total capital | 18,646,000 | 18,964,000 | 19,193,000 | 19,472,000 |
| Risk-weighted assets | 39,996,000 | 40,511,000 | 40,477,000 | 39,893,000 |