Call reports 2003
VALLEY COMMUNITY BANK — 2003
What VALLEY COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 111,351,000 | 115,127,000 | 116,640,000 | 119,953,000 |
| Total loans | 79,272,000 | 78,383,000 | 81,602,000 | 86,373,000 |
| Allowance for loan losses | 820,000 | 828,000 | 853,000 | 775,000 |
| Securities available for sale | 16,313,000 | 19,829,000 | 25,696,000 | 21,485,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,110,000 | 105,625,000 | 106,828,000 | 110,009,000 |
| Interest-bearing deposits | 86,532,000 | 88,090,000 | 86,476,000 | 90,747,000 |
| Noninterest-bearing deposits | 15,578,000 | 17,535,000 | 20,352,000 | 19,262,000 |
| Equity capital | 8,194,000 | 8,547,000 | 8,596,000 | 8,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,468,000 | 2,976,000 | 4,538,000 | 6,144,000 |
| Interest expense | 421,000 | 835,000 | 1,236,000 | 1,647,000 |
| Net interest income | 1,047,000 | 2,141,000 | 3,302,000 | 4,497,000 |
| Noninterest income | 142,000 | 394,000 | 416,000 | 576,000 |
| Noninterest expense | 1,031,000 | 2,121,000 | 3,237,000 | 4,356,000 |
| Provision for loan losses | 47,000 | 185,000 | 215,000 | 148,000 |
| Pretax income | 118,000 | 271,000 | 439,000 | 613,000 |
| Income tax | 40,000 | 92,000 | 148,000 | 208,000 |
| Net income | 78,000 | 179,000 | 291,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,060,000 | 8,411,000 | 8,523,000 | 8,637,000 |
| Total capital | 8,880,000 | 9,239,000 | 9,376,000 | 9,412,000 |
| Risk-weighted assets | 88,082,000 | 86,852,000 | 91,521,000 | 94,134,000 |