Call reports 2007
WEST VALLEY NATIONAL BANK — 2007
What WEST VALLEY NATIONAL 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 | 18,013,000 | 25,739,000 | 29,461,000 | 40,806,000 |
| Total loans | 416,000 | 3,328,000 | 4,831,000 | 12,486,000 |
| Allowance for loan losses | 105,000 | 103,000 | 188,000 | 188,000 |
| Securities available for sale | 0 | 0 | 1,599,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,718,000 | 13,862,000 | 18,174,000 | 21,615,000 |
| Interest-bearing deposits | 2,440,000 | 9,174,000 | 11,244,000 | 14,156,000 |
| Noninterest-bearing deposits | 3,278,000 | 4,688,000 | 6,930,000 | 7,459,000 |
| Equity capital | 12,257,000 | 11,822,000 | 11,132,000 | 18,960,000 |
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 | 188,000 | 460,000 | 833,000 | 1,324,000 |
| Interest expense | 13,000 | 58,000 | 167,000 | 322,000 |
| Net interest income | 175,000 | 402,000 | 666,000 | 1,002,000 |
| Noninterest income | 64,000 | 226,000 | 286,000 | 344,000 |
| Noninterest expense | 724,000 | 1,624,000 | 2,637,000 | 3,918,000 |
| Provision for loan losses | 105,000 | 103,000 | 188,000 | 188,000 |
| Pretax income | -590,000 | -1,099,000 | -1,873,000 | -2,760,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -590,000 | -1,099,000 | -1,873,000 | -2,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,257,000 | 11,822,000 | 11,132,000 | 18,960,000 |
| Total capital | 12,314,000 | 11,927,000 | 11,281,000 | 19,150,000 |
| Risk-weighted assets | 4,539,000 | 8,487,000 | 11,925,000 | 18,877,000 |
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