Call reports 2007
VALLEY BANK OF RONAN — 2007
What VALLEY BANK OF RONAN 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 | 54,109,000 | 56,049,000 | 59,313,000 | 59,745,000 |
| Total loans | 42,214,000 | 42,765,000 | 43,147,000 | 43,802,000 |
| Allowance for loan losses | 761,000 | 790,000 | 793,000 | 788,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,077,000 | 1,080,000 | 1,082,000 | 2,591,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,187,000 | 49,054,000 | 52,132,000 | 52,603,000 |
| Interest-bearing deposits | 33,696,000 | 35,902,000 | 34,951,000 | 34,495,000 |
| Noninterest-bearing deposits | 13,491,000 | 13,152,000 | 17,181,000 | 18,108,000 |
| Equity capital | 5,819,000 | 6,044,000 | 6,219,000 | 6,287,000 |
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 | 1,096,000 | 2,228,000 | 3,412,000 | 4,582,000 |
| Interest expense | 271,000 | 572,000 | 912,000 | 1,255,000 |
| Net interest income | 825,000 | 1,656,000 | 2,500,000 | 3,327,000 |
| Noninterest income | 171,000 | 373,000 | 544,000 | 724,000 |
| Noninterest expense | 641,000 | 1,268,000 | 1,933,000 | 2,598,000 |
| Provision for loan losses | 33,000 | 66,000 | 77,000 | 77,000 |
| Pretax income | 322,000 | 695,000 | 1,034,000 | 1,376,000 |
| Income tax | 110,000 | 258,000 | 421,000 | 536,000 |
| Net income | 212,000 | 437,000 | 613,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,741,000 | 5,964,000 | 6,143,000 | 6,287,000 |
| Total capital | 6,331,000 | 6,567,000 | 6,767,000 | 6,910,000 |
| Risk-weighted assets | 47,067,000 | 48,092,000 | 49,790,000 | 49,662,000 |
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