Call reports 2007
FIRST VALLEY BANK — 2007
What FIRST VALLEY 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 | 41,998,000 | 45,595,000 | 44,093,000 | 43,626,000 |
| Total loans | 35,816,000 | 35,839,000 | 37,459,000 | 37,762,000 |
| Allowance for loan losses | 281,000 | 288,000 | 288,000 | 354,000 |
| Securities available for sale | 491,000 | 481,000 | 304,000 | 306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,058,000 | 41,906,000 | 38,374,000 | 38,138,000 |
| Interest-bearing deposits | 32,233,000 | 35,507,000 | 31,489,000 | 32,290,000 |
| Noninterest-bearing deposits | 5,825,000 | 6,399,000 | 6,885,000 | 5,848,000 |
| Equity capital | 3,195,000 | 3,379,000 | 3,443,000 | 3,447,000 |
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 | 731,000 | 1,468,000 | 2,171,000 | 2,907,000 |
| Interest expense | 356,000 | 703,000 | 1,062,000 | 1,418,000 |
| Net interest income | 375,000 | 765,000 | 1,109,000 | 1,489,000 |
| Noninterest income | 29,000 | 68,000 | 100,000 | 126,000 |
| Noninterest expense | 197,000 | 409,000 | 617,000 | 909,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 84,000 |
| Pretax income | 201,000 | 412,000 | 574,000 | 622,000 |
| Income tax | 0 | 0 | 0 | 6,000 |
| Net income | 201,000 | 412,000 | 574,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,198,000 | 3,384,000 | 3,445,000 | 3,447,000 |
| Total capital | 3,479,000 | 3,672,000 | 3,733,000 | 3,801,000 |
| Risk-weighted assets | 33,851,000 | 36,681,000 | 37,077,000 | 37,358,000 |