Call reports 2007
VALLEY STATE BANK, THE — 2007
What VALLEY STATE BANK, THE 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 | 90,883,000 | 92,757,000 | 97,788,000 | 103,336,000 |
| Total loans | 56,675,000 | 57,426,000 | 58,175,000 | 60,276,000 |
| Allowance for loan losses | 841,000 | 697,000 | 684,000 | 679,000 |
| Securities available for sale | 29,245,000 | 30,877,000 | 35,100,000 | 38,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,026,000 | 81,576,000 | 86,936,000 | 90,845,000 |
| Interest-bearing deposits | 70,377,000 | 72,213,000 | 77,892,000 | 82,476,000 |
| Noninterest-bearing deposits | 9,649,000 | 9,363,000 | 9,044,000 | 8,369,000 |
| Equity capital | 10,443,000 | 10,110,000 | 10,490,000 | 10,637,000 |
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 | 1,374,000 | 2,803,000 | 4,288,000 | 5,909,000 |
| Interest expense | 621,000 | 1,282,000 | 1,991,000 | 2,805,000 |
| Net interest income | 753,000 | 1,521,000 | 2,297,000 | 3,104,000 |
| Noninterest income | 104,000 | 218,000 | 311,000 | 407,000 |
| Noninterest expense | 616,000 | 1,266,000 | 1,851,000 | 2,517,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 25,000 |
| Pretax income | 241,000 | 473,000 | 746,000 | 968,000 |
| Income tax | 50,000 | 99,000 | 160,000 | 204,000 |
| Net income | 191,000 | 374,000 | 586,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,500,000 | 10,432,000 | 10,645,000 | 10,623,000 |
| Total capital | 11,191,000 | 11,129,000 | 11,329,000 | 11,301,000 |
| Risk-weighted assets | 55,145,000 | 56,410,000 | 57,553,000 | 58,228,000 |
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