Call reports 2001
VALLEY COMMUNITY BANK — 2001
What VALLEY COMMUNITY 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 | 79,142,000 | 85,142,000 | 87,457,000 | 95,202,000 |
| Total loans | 57,928,000 | 59,307,000 | 60,303,000 | 64,607,000 |
| Allowance for loan losses | 588,000 | 604,000 | 628,000 | 547,000 |
| Securities available for sale | 8,261,000 | 8,390,000 | 5,753,000 | 3,323,000 |
| Securities held to maturity | 0 | 0 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,944,000 | 78,524,000 | 80,144,000 | 88,079,000 |
| Interest-bearing deposits | 60,207,000 | 64,163,000 | 65,963,000 | 71,738,000 |
| Noninterest-bearing deposits | 12,737,000 | 14,361,000 | 14,181,000 | 16,341,000 |
| Equity capital | 5,924,000 | 6,334,000 | 6,963,000 | 6,861,000 |
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 | 1,465,000 | 2,874,000 | 4,314,000 | 5,803,000 |
| Interest expense | 631,000 | 1,278,000 | 1,881,000 | 2,405,000 |
| Net interest income | 834,000 | 1,596,000 | 2,433,000 | 3,398,000 |
| Noninterest income | 81,000 | 253,000 | 378,000 | 417,000 |
| Noninterest expense | 820,000 | 1,695,000 | 2,552,000 | 3,476,000 |
| Provision for loan losses | 20,000 | 39,000 | 66,000 | 246,000 |
| Pretax income | 70,000 | 133,000 | 212,000 | 215,000 |
| Income tax | 27,000 | 51,000 | 82,000 | 73,000 |
| Net income | 43,000 | 82,000 | 130,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,852,000 | 6,293,000 | 6,841,000 | 6,851,000 |
| Total capital | 6,440,000 | 6,897,000 | 7,469,000 | 7,398,000 |
| Risk-weighted assets | 63,432,000 | 65,905,000 | 67,760,000 | 73,770,000 |