Call reports 2002
VALLEY BUSINESS BANK — 2002
What VALLEY BUSINESS 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 | 110,779,000 | 104,700,000 | 108,676,000 | 121,011,000 |
| Total loans | 78,481,000 | 79,925,000 | 82,241,000 | 78,091,000 |
| Allowance for loan losses | 1,102,000 | 1,001,000 | 1,090,000 | 1,073,000 |
| Securities available for sale | 14,498,000 | 12,177,000 | 9,927,000 | 25,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,621,000 | 92,369,000 | 95,787,000 | 107,783,000 |
| Interest-bearing deposits | 69,973,000 | 66,314,000 | 69,786,000 | 75,766,000 |
| Noninterest-bearing deposits | 28,648,000 | 26,055,000 | 26,001,000 | 32,017,000 |
| Equity capital | 9,098,000 | 9,403,000 | 9,770,000 | 10,050,000 |
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 | 1,593,000 | 3,230,000 | 4,917,000 | 6,609,000 |
| Interest expense | 398,000 | 752,000 | 1,094,000 | 1,454,000 |
| Net interest income | 1,195,000 | 2,478,000 | 3,823,000 | 5,155,000 |
| Noninterest income | 194,000 | 322,000 | 554,000 | 789,000 |
| Noninterest expense | 957,000 | 1,968,000 | 3,053,000 | 4,066,000 |
| Provision for loan losses | 50,000 | 120,000 | 224,000 | 405,000 |
| Pretax income | 382,000 | 711,000 | 1,103,000 | 1,645,000 |
| Income tax | 153,000 | 273,000 | 423,000 | 601,000 |
| Net income | 229,000 | 438,000 | 680,000 | 1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,701,000 | 8,921,000 | 9,179,000 | 9,560,000 |
| Total capital | 9,725,000 | 9,922,000 | 10,230,000 | 10,609,000 |
| Risk-weighted assets | 81,779,000 | 81,204,000 | 83,957,000 | 83,878,000 |