Call reports 2007
VALLEY BANK OF GLASGOW — 2007
What VALLEY BANK OF GLASGOW 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 | 29,695,000 | 29,750,000 | 31,130,000 | 32,263,000 |
| Total loans | 17,443,000 | 18,478,000 | 19,576,000 | 19,805,000 |
| Allowance for loan losses | 126,000 | 130,000 | 194,000 | 204,000 |
| Securities available for sale | 6,304,000 | 5,348,000 | 4,717,000 | 4,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,440,000 | 26,351,000 | 27,665,000 | 28,913,000 |
| Interest-bearing deposits | 23,230,000 | 23,635,000 | 24,363,000 | 24,946,000 |
| Noninterest-bearing deposits | 3,210,000 | 2,716,000 | 3,302,000 | 3,967,000 |
| Equity capital | 2,786,000 | 2,844,000 | 2,896,000 | 2,868,000 |
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 | 531,000 | 1,091,000 | 1,665,000 | 2,263,000 |
| Interest expense | 209,000 | 429,000 | 657,000 | 887,000 |
| Net interest income | 322,000 | 662,000 | 1,008,000 | 1,376,000 |
| Noninterest income | 50,000 | 91,000 | 134,000 | 177,000 |
| Noninterest expense | 298,000 | 564,000 | 845,000 | 1,115,000 |
| Provision for loan losses | 9,000 | 18,000 | 87,000 | 96,000 |
| Pretax income | 65,000 | 171,000 | 210,000 | 342,000 |
| Income tax | 18,000 | 57,000 | 68,000 | 114,000 |
| Net income | 47,000 | 114,000 | 142,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,797,000 | 2,864,000 | 2,893,000 | 2,848,000 |
| Total capital | 2,923,000 | 2,994,000 | 3,087,000 | 3,052,000 |
| Risk-weighted assets | 19,387,000 | 18,938,000 | 20,244,000 | 21,976,000 |
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