Call reports 2007
VALLEY NATIONAL BANK — 2007
What VALLEY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 270,747,000 | 273,164,000 | 277,700,000 | 281,994,000 |
| Total loans | 177,355,000 | 180,666,000 | 181,397,000 | 182,416,000 |
| Allowance for loan losses | 2,453,000 | 2,079,000 | 2,169,000 | 2,204,000 |
| Securities available for sale | 79,437,000 | 77,361,000 | 77,524,000 | 85,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,466,000 | 197,277,000 | 207,788,000 | 208,163,000 |
| Interest-bearing deposits | 176,038,000 | 177,077,000 | 182,696,000 | 181,708,000 |
| Noninterest-bearing deposits | 25,427,000 | 20,200,000 | 25,092,000 | 26,455,000 |
| Equity capital | 31,925,000 | 32,233,000 | 33,688,000 | 34,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,744,000 | 9,943,000 | 14,998,000 | 19,932,000 |
| Interest expense | 2,110,000 | 4,306,000 | 6,541,000 | 8,720,000 |
| Net interest income | 2,634,000 | 5,637,000 | 8,457,000 | 11,212,000 |
| Noninterest income | 180,000 | 451,000 | 633,000 | 825,000 |
| Noninterest expense | 1,601,000 | 3,177,000 | 4,700,000 | 6,304,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 304,000 |
| Pretax income | 1,039,000 | 2,647,000 | 4,045,000 | 5,396,000 |
| Income tax | 375,000 | 766,000 | 1,255,000 | 1,732,000 |
| Net income | 664,000 | 1,881,000 | 2,790,000 | 3,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,510,000 | 33,726,000 | 34,633,000 | 34,709,000 |
| Total capital | 34,883,000 | 35,805,000 | 36,802,000 | 36,913,000 |
| Risk-weighted assets | 189,740,000 | 194,999,000 | 196,941,000 | 199,462,000 |
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