Call reports 2007
BONANZA VALLEY STATE BANK — 2007
What BONANZA VALLEY STATE 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 | 36,022,000 | 37,514,000 | 39,544,000 | 40,069,000 |
| Total loans | 29,369,000 | 30,681,000 | 30,298,000 | 29,642,000 |
| Allowance for loan losses | 256,000 | 263,000 | 267,000 | 245,000 |
| Securities available for sale | 3,552,000 | 3,525,000 | 3,092,000 | 4,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,893,000 | 30,291,000 | 32,309,000 | 32,772,000 |
| Interest-bearing deposits | 27,128,000 | 28,369,000 | 30,277,000 | 30,224,000 |
| Noninterest-bearing deposits | 1,765,000 | 1,922,000 | 2,032,000 | 2,548,000 |
| Equity capital | 3,084,000 | 3,261,000 | 3,290,000 | 3,411,000 |
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 | 603,000 | 1,234,000 | 1,886,000 | 2,547,000 |
| Interest expense | 297,000 | 596,000 | 951,000 | 1,279,000 |
| Net interest income | 306,000 | 638,000 | 935,000 | 1,268,000 |
| Noninterest income | 39,000 | 79,000 | 129,000 | 179,000 |
| Noninterest expense | 274,000 | 554,000 | 813,000 | 1,066,000 |
| Provision for loan losses | 5,000 | 11,000 | 17,000 | 23,000 |
| Pretax income | 66,000 | 152,000 | 234,000 | 358,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | 152,000 | 234,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,093,000 | 3,279,000 | 3,284,000 | 3,408,000 |
| Total capital | 3,349,000 | 3,542,000 | 3,551,000 | 3,653,000 |
| Risk-weighted assets | 31,556,000 | 34,017,000 | 34,005,000 | 33,019,000 |
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