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 | 54,547,000 | 56,491,000 | 58,856,000 | 62,507,000 |
| Total loans | 30,132,000 | 33,269,000 | 34,140,000 | 34,638,000 |
| Allowance for loan losses | 432,000 | 442,000 | 381,000 | 385,000 |
| Securities available for sale | 20,183,000 | 19,483,000 | 18,957,000 | 18,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,599,000 | 46,140,000 | 50,231,000 | 54,518,000 |
| Interest-bearing deposits | 42,097,000 | 42,080,000 | 42,998,000 | 46,863,000 |
| Noninterest-bearing deposits | 4,502,000 | 4,060,000 | 7,233,000 | 7,655,000 |
| Equity capital | 5,021,000 | 4,987,000 | 5,265,000 | 5,520,000 |
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 | 940,000 | 1,871,000 | 2,862,000 | 3,871,000 |
| Interest expense | 437,000 | 889,000 | 1,371,000 | 1,835,000 |
| Net interest income | 503,000 | 982,000 | 1,491,000 | 2,036,000 |
| Noninterest income | 51,000 | 100,000 | 152,000 | 228,000 |
| Noninterest expense | 348,000 | 694,000 | 1,049,000 | 1,436,000 |
| Provision for loan losses | 45,000 | 60,000 | 75,000 | 90,000 |
| Pretax income | 158,000 | 325,000 | 516,000 | 725,000 |
| Income tax | 7,000 | 15,000 | 24,000 | 34,000 |
| Net income | 151,000 | 310,000 | 492,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,242,000 | 5,350,000 | 5,392,000 | 5,500,000 |
| Total capital | 5,684,000 | 5,801,000 | 5,784,000 | 5,896,000 |
| Risk-weighted assets | 35,161,000 | 39,424,000 | 41,053,000 | 41,744,000 |
Machine access — free, no API key
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