Call reports 2001
VALLEY BUSINESS BANK — 2001
What VALLEY BUSINESS 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 | 87,897,000 | 91,853,000 | 95,932,000 | 102,566,000 |
| Total loans | 58,320,000 | 64,423,000 | 70,565,000 | 76,424,000 |
| Allowance for loan losses | 828,000 | 870,000 | 972,000 | 1,051,000 |
| Securities available for sale | 13,798,000 | 13,524,000 | 13,868,000 | 11,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,019,000 | 81,254,000 | 84,950,000 | 91,477,000 |
| Interest-bearing deposits | 53,801,000 | 56,758,000 | 60,763,000 | 63,233,000 |
| Noninterest-bearing deposits | 23,218,000 | 24,496,000 | 24,187,000 | 28,244,000 |
| Equity capital | 8,394,000 | 8,530,000 | 8,827,000 | 8,891,000 |
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 | 1,781,000 | 3,480,000 | 5,132,000 | 6,708,000 |
| Interest expense | 634,000 | 1,223,000 | 1,767,000 | 2,217,000 |
| Net interest income | 1,147,000 | 2,257,000 | 3,365,000 | 4,491,000 |
| Noninterest income | 146,000 | 304,000 | 476,000 | 675,000 |
| Noninterest expense | 923,000 | 1,846,000 | 2,789,000 | 3,710,000 |
| Provision for loan losses | 0 | 40,000 | 140,000 | 215,000 |
| Pretax income | 370,000 | 675,000 | 912,000 | 1,254,000 |
| Income tax | 149,000 | 270,000 | 360,000 | 504,000 |
| Net income | 221,000 | 405,000 | 552,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,882,000 | 8,080,000 | 8,242,000 | 8,456,000 |
| Total capital | 8,666,000 | 8,920,000 | 9,147,000 | 9,426,000 |
| Risk-weighted assets | 62,682,000 | 67,133,000 | 72,327,000 | 77,490,000 |