Call reports 2007
VALOR BANK — 2007
What VALOR 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 | 24,396,000 | 25,312,000 | 25,335,000 | 25,179,000 |
| Total loans | 17,423,000 | 16,917,000 | 17,311,000 | 18,131,000 |
| Allowance for loan losses | 276,000 | 321,000 | 364,000 | 203,000 |
| Securities available for sale | 4,984,000 | 4,596,000 | 4,839,000 | 4,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,125,000 | 23,084,000 | 22,994,000 | 22,872,000 |
| Interest-bearing deposits | 18,722,000 | 18,993,000 | 18,862,000 | 18,280,000 |
| Noninterest-bearing deposits | 3,403,000 | 4,091,000 | 4,132,000 | 4,592,000 |
| Equity capital | 1,811,000 | 1,767,000 | 1,866,000 | 1,857,000 |
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 | 401,000 | 805,000 | 1,219,000 | 1,645,000 |
| Interest expense | 169,000 | 344,000 | 519,000 | 695,000 |
| Net interest income | 232,000 | 461,000 | 700,000 | 950,000 |
| Noninterest income | 42,000 | 72,000 | 105,000 | 138,000 |
| Noninterest expense | 185,000 | 368,000 | 564,000 | 746,000 |
| Provision for loan losses | 0 | 45,000 | 90,000 | 271,000 |
| Pretax income | 89,000 | 120,000 | 151,000 | 71,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 89,000 | 120,000 | 151,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,860,000 | 1,881,000 | 1,900,000 | 1,820,000 |
| Total capital | 2,076,000 | 2,094,000 | 2,117,000 | 2,023,000 |
| Risk-weighted assets | 17,236,000 | 16,967,000 | 17,173,000 | 18,191,000 |
Machine access — free, no API key
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