Call reports 2002
VALLEY BANK OF BELGRADE — 2002
What VALLEY BANK OF BELGRADE 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 | 48,973,000 | 52,724,000 | 56,344,000 | 56,597,000 |
| Total loans | 33,007,000 | 34,818,000 | 34,340,000 | 34,638,000 |
| Allowance for loan losses | 372,000 | 476,000 | 547,000 | 603,000 |
| Securities available for sale | 5,270,000 | 7,314,000 | 9,656,000 | 10,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,262,000 | 43,409,000 | 47,303,000 | 47,707,000 |
| Interest-bearing deposits | 32,959,000 | 35,111,000 | 37,807,000 | 37,919,000 |
| Noninterest-bearing deposits | 7,303,000 | 8,298,000 | 9,496,000 | 9,788,000 |
| Equity capital | 7,633,000 | 7,850,000 | 7,962,000 | 8,111,000 |
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 | 813,000 | 1,725,000 | 2,614,000 | 3,618,000 |
| Interest expense | 197,000 | 391,000 | 597,000 | 806,000 |
| Net interest income | 616,000 | 1,334,000 | 2,017,000 | 2,812,000 |
| Noninterest income | 107,000 | 216,000 | 322,000 | 436,000 |
| Noninterest expense | 439,000 | 893,000 | 1,439,000 | 1,981,000 |
| Provision for loan losses | 58,000 | 162,000 | 283,000 | 403,000 |
| Pretax income | 228,000 | 497,000 | 648,000 | 896,000 |
| Income tax | 87,000 | 189,000 | 245,000 | 368,000 |
| Net income | 141,000 | 308,000 | 403,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,646,000 | 4,813,000 | 4,908,000 | 5,033,000 |
| Total capital | 5,018,000 | 5,289,000 | 5,379,000 | 5,512,000 |
| Risk-weighted assets | 36,065,000 | 37,921,000 | 37,572,000 | 38,218,000 |