Call reports 2002
VALLEY CENTRAL BANK — 2002
What VALLEY CENTRAL 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 | 82,500,000 | 82,332,000 | 82,166,000 | 83,484,000 |
| Total loans | 57,368,000 | 55,950,000 | 55,935,000 | 54,256,000 |
| Allowance for loan losses | 243,000 | 246,000 | 249,000 | 252,000 |
| Securities available for sale | 5,718,000 | 6,397,000 | 9,498,000 | 10,755,000 |
| Securities held to maturity | 1,467,000 | 1,498,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,334,000 | 60,969,000 | 60,599,000 | 61,566,000 |
| Interest-bearing deposits | 61,154,000 | 60,791,000 | 60,405,000 | 61,422,000 |
| Noninterest-bearing deposits | 180,000 | 178,000 | 194,000 | 144,000 |
| Equity capital | 19,763,000 | 20,007,000 | 20,239,000 | 20,574,000 |
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 | 1,272,000 | 2,523,000 | 3,758,000 | 4,951,000 |
| Interest expense | 556,000 | 1,080,000 | 1,581,000 | 2,050,000 |
| Net interest income | 716,000 | 1,443,000 | 2,177,000 | 2,901,000 |
| Noninterest income | 7,000 | 16,000 | 24,000 | 32,000 |
| Noninterest expense | 347,000 | 667,000 | 1,007,000 | 1,335,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 373,000 | 786,000 | 1,185,000 | 1,586,000 |
| Income tax | 127,000 | 267,000 | 403,000 | 539,000 |
| Net income | 246,000 | 519,000 | 782,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,865,000 | 19,137,000 | 19,400,000 | 19,664,000 |
| Total capital | 19,702,000 | 19,957,000 | 20,172,000 | 20,469,000 |
| Risk-weighted assets | 39,544,000 | 39,870,000 | 39,772,000 | 39,883,000 |