Call reports 2007
GRAND VALLEY BANK — 2007
What GRAND 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 | 235,642,000 | 242,488,000 | 248,624,000 | 261,896,000 |
| Total loans | 111,062,000 | 120,332,000 | 131,507,000 | 134,300,000 |
| Allowance for loan losses | 1,762,000 | 1,812,000 | 1,871,000 | 1,748,000 |
| Securities available for sale | 0 | 0 | 0 | 102,377,000 |
| Securities held to maturity | 104,098,000 | 102,293,000 | 102,766,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,273,000 | 224,495,000 | 224,415,000 | 241,379,000 |
| Interest-bearing deposits | 167,973,000 | 169,071,000 | 169,544,000 | 188,863,000 |
| Noninterest-bearing deposits | 50,300,000 | 55,424,000 | 54,871,000 | 52,516,000 |
| Equity capital | 16,472,000 | 17,045,000 | 17,633,000 | 18,866,000 |
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 | 3,799,000 | 7,867,000 | 12,123,000 | 16,392,000 |
| Interest expense | 1,464,000 | 3,010,000 | 4,604,000 | 6,136,000 |
| Net interest income | 2,335,000 | 4,857,000 | 7,519,000 | 10,256,000 |
| Noninterest income | 285,000 | 578,000 | 840,000 | 1,151,000 |
| Noninterest expense | 1,641,000 | 3,277,000 | 4,917,000 | 6,921,000 |
| Provision for loan losses | 45,000 | 95,000 | 155,000 | 31,000 |
| Pretax income | 934,000 | 2,063,000 | 3,287,000 | 4,867,000 |
| Income tax | 270,000 | 627,000 | 1,036,000 | 1,555,000 |
| Net income | 664,000 | 1,436,000 | 2,251,000 | 3,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,472,000 | 17,045,000 | 17,633,000 | 18,468,000 |
| Total capital | 18,234,000 | 18,857,000 | 19,504,000 | 20,416,000 |
| Risk-weighted assets | 147,669,000 | 155,501,000 | 164,236,000 | 163,613,000 |
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