Call reports 2007
VALLEY BANK — 2007
What 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 | 135,955,000 | 145,582,000 | 156,483,000 | 158,337,000 |
| Total loans | 103,890,000 | 107,748,000 | 112,581,000 | 109,799,000 |
| Allowance for loan losses | 975,000 | 970,000 | 1,149,000 | 1,119,000 |
| Securities available for sale | 13,061,000 | 17,883,000 | 20,241,000 | 11,058,000 |
| Securities held to maturity | 9,849,000 | 8,794,000 | 9,193,000 | 8,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,508,000 | 119,777,000 | 135,058,000 | 131,833,000 |
| Interest-bearing deposits | 104,554,000 | 111,323,000 | 128,015,000 | 124,572,000 |
| Noninterest-bearing deposits | 7,954,000 | 8,454,000 | 7,043,000 | 7,261,000 |
| Equity capital | 13,988,000 | 14,907,000 | 15,291,000 | 15,237,000 |
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 | 2,572,000 | 5,171,000 | 7,983,000 | 10,653,000 |
| Interest expense | 1,455,000 | 2,878,000 | 4,561,000 | 6,203,000 |
| Net interest income | 1,117,000 | 2,293,000 | 3,422,000 | 4,450,000 |
| Noninterest income | 71,000 | 151,000 | 240,000 | 148,000 |
| Noninterest expense | 1,050,000 | 2,037,000 | 3,069,000 | 4,239,000 |
| Provision for loan losses | 29,000 | 191,000 | 410,000 | 470,000 |
| Pretax income | 109,000 | 216,000 | 199,000 | 33,000 |
| Income tax | 26,000 | 44,000 | 30,000 | -32,000 |
| Net income | 83,000 | 172,000 | 169,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,427,000 | 11,530,000 | 11,741,000 | 12,489,000 |
| Total capital | 11,402,000 | 12,500,000 | 12,890,000 | 13,608,000 |
| Risk-weighted assets | 109,338,000 | 116,328,000 | 125,492,000 | 124,401,000 |
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