Call reports 2007
POWELL VALLEY NATIONAL BANK — 2007
What POWELL 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 | 233,124,000 | 236,005,000 | 231,475,000 | 229,137,000 |
| Total loans | 168,710,000 | 171,267,000 | 172,537,000 | 171,769,000 |
| Allowance for loan losses | 1,931,000 | 1,876,000 | 1,723,000 | 1,720,000 |
| Securities available for sale | 44,649,000 | 43,671,000 | 43,661,000 | 41,254,000 |
| Securities held to maturity | 20,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,642,000 | 198,768,000 | 183,913,000 | 190,701,000 |
| Interest-bearing deposits | 159,978,000 | 164,841,000 | 149,838,000 | 157,729,000 |
| Noninterest-bearing deposits | 35,664,000 | 33,927,000 | 34,075,000 | 32,972,000 |
| Equity capital | 34,169,000 | 34,004,000 | 34,770,000 | 35,619,000 |
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 | 3,831,000 | 7,777,000 | 11,736,000 | 15,674,000 |
| Interest expense | 1,683,000 | 3,425,000 | 5,159,000 | 6,849,000 |
| Net interest income | 2,148,000 | 4,352,000 | 6,577,000 | 8,825,000 |
| Noninterest income | 241,000 | 428,000 | 645,000 | 892,000 |
| Noninterest expense | 1,529,000 | 3,041,000 | 4,575,000 | 6,281,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 375,000 |
| Pretax income | 860,000 | 1,739,000 | 2,596,000 | 3,057,000 |
| Income tax | 240,000 | 485,000 | 720,000 | 706,000 |
| Net income | 620,000 | 1,254,000 | 1,876,000 | 2,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,059,000 | 33,201,000 | 33,820,000 | 34,455,000 |
| Total capital | 34,990,000 | 35,077,000 | 35,543,000 | 36,175,000 |
| Risk-weighted assets | 165,903,000 | 166,306,000 | 167,110,000 | 165,498,000 |
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