Call reports 2007
VALLEY BANK & TRUST — 2007
What VALLEY BANK & TRUST 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 | 262,104,000 | 254,696,000 | 257,064,000 | 255,562,000 |
| Total loans | 170,268,000 | 166,781,000 | 159,463,000 | 156,768,000 |
| Allowance for loan losses | 2,713,000 | 2,843,000 | 2,872,000 | 1,674,000 |
| Securities available for sale | 50,095,000 | 49,137,000 | 49,874,000 | 50,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,425,000 | 232,106,000 | 234,801,000 | 233,543,000 |
| Interest-bearing deposits | 181,010,000 | 174,993,000 | 176,265,000 | 175,458,000 |
| Noninterest-bearing deposits | 58,415,000 | 57,113,000 | 58,536,000 | 58,085,000 |
| Equity capital | 21,469,000 | 21,560,000 | 20,975,000 | 20,618,000 |
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 | 4,521,000 | 9,178,000 | 13,906,000 | 18,081,000 |
| Interest expense | 1,580,000 | 3,208,000 | 4,791,000 | 6,346,000 |
| Net interest income | 2,941,000 | 5,970,000 | 9,115,000 | 11,735,000 |
| Noninterest income | 755,000 | 1,492,000 | 2,283,000 | 3,237,000 |
| Noninterest expense | 3,474,000 | 7,004,000 | 10,514,000 | 13,536,000 |
| Provision for loan losses | 7,000 | 222,000 | 271,000 | 1,436,000 |
| Pretax income | 215,000 | 264,000 | 648,000 | 141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 215,000 | 264,000 | 648,000 | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,870,000 | 19,919,000 | 20,303,000 | 19,796,000 |
| Total capital | 22,487,000 | 22,479,000 | 22,808,000 | 21,470,000 |
| Risk-weighted assets | 209,246,000 | 204,529,000 | 200,075,000 | 197,112,000 |
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