Call reports 2002
VALLEY COMMUNITY BANK — 2002
What VALLEY COMMUNITY 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 | 95,492,000 | 95,589,000 | 105,357,000 | 107,251,000 |
| Total loans | 65,732,000 | 69,997,000 | 73,571,000 | 72,022,000 |
| Allowance for loan losses | 566,000 | 661,000 | 736,000 | 913,000 |
| Securities available for sale | 11,275,000 | 12,897,000 | 13,954,000 | 17,415,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,492,000 | 88,437,000 | 97,467,000 | 98,418,000 |
| Interest-bearing deposits | 72,480,000 | 70,426,000 | 79,690,000 | 81,504,000 |
| Noninterest-bearing deposits | 16,012,000 | 18,011,000 | 17,777,000 | 16,914,000 |
| Equity capital | 6,864,000 | 7,041,000 | 7,273,000 | 7,638,000 |
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 | 1,384,000 | 2,839,000 | 4,311,000 | 5,817,000 |
| Interest expense | 452,000 | 871,000 | 1,317,000 | 1,766,000 |
| Net interest income | 932,000 | 1,968,000 | 2,994,000 | 4,051,000 |
| Noninterest income | 106,000 | 236,000 | 384,000 | 526,000 |
| Noninterest expense | 967,000 | 1,964,000 | 2,975,000 | 4,064,000 |
| Provision for loan losses | 27,000 | 75,000 | 115,000 | 315,000 |
| Pretax income | 44,000 | 166,000 | 287,000 | 274,000 |
| Income tax | 14,000 | 56,000 | 95,000 | 93,000 |
| Net income | 30,000 | 110,000 | 192,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,881,000 | 6,961,000 | 7,143,000 | 7,532,000 |
| Total capital | 7,447,000 | 7,622,000 | 7,879,000 | 8,445,000 |
| Risk-weighted assets | 74,064,000 | 76,095,000 | 80,683,000 | 83,827,000 |