Call reports 2007
PREMIER VALLEY BANK — 2007
What PREMIER VALLEY 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 | 456,502,000 | 448,006,000 | 468,290,000 | 469,037,000 |
| Total loans | 304,850,000 | 309,197,000 | 309,120,000 | 336,110,000 |
| Allowance for loan losses | 3,872,000 | 3,442,000 | 3,389,000 | 4,986,000 |
| Securities available for sale | 88,921,000 | 91,698,000 | 87,668,000 | 93,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,249,000 | 384,444,000 | 403,791,000 | 403,049,000 |
| Interest-bearing deposits | 279,290,000 | 269,463,000 | 281,189,000 | 300,716,000 |
| Noninterest-bearing deposits | 112,959,000 | 114,981,000 | 122,602,000 | 102,333,000 |
| Equity capital | 60,003,000 | 59,531,000 | 59,420,000 | 57,900,000 |
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 | 6,933,000 | 14,094,000 | 21,461,000 | 28,885,000 |
| Interest expense | 2,168,000 | 4,376,000 | 6,678,000 | 9,007,000 |
| Net interest income | 4,765,000 | 9,718,000 | 14,783,000 | 19,878,000 |
| Noninterest income | 730,000 | 1,292,000 | 1,924,000 | 2,620,000 |
| Noninterest expense | 3,197,000 | 6,551,000 | 10,000,000 | 13,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,580,000 |
| Pretax income | 2,298,000 | 4,459,000 | 6,707,000 | 7,409,000 |
| Income tax | 866,000 | 1,707,000 | 2,566,000 | 2,779,000 |
| Net income | 1,432,000 | 2,752,000 | 4,141,000 | 4,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,186,000 | 44,299,000 | 43,814,000 | 42,162,000 |
| Total capital | 48,171,000 | 47,860,000 | 47,335,000 | 46,994,000 |
| Risk-weighted assets | 342,321,000 | 353,256,000 | 355,363,000 | 386,271,000 |
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