Call reports 2007
VALLEY BANK OF COMMERCE — 2007
What VALLEY BANK OF COMMERCE 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 | 91,764,000 | 102,497,000 | 105,991,000 | 111,345,000 |
| Total loans | 42,846,000 | 47,722,000 | 46,843,000 | 50,802,000 |
| Allowance for loan losses | 578,000 | 578,000 | 578,000 | 579,000 |
| Securities available for sale | 20,058,000 | 19,722,000 | 14,140,000 | 18,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,182,000 | 83,172,000 | 86,521,000 | 97,814,000 |
| Interest-bearing deposits | 51,506,000 | 52,937,000 | 55,531,000 | 64,094,000 |
| Noninterest-bearing deposits | 26,676,000 | 30,235,000 | 30,990,000 | 33,720,000 |
| Equity capital | 7,595,000 | 8,189,000 | 8,929,000 | 8,062,000 |
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 | 1,657,000 | 3,307,000 | 5,018,000 | 6,699,000 |
| Interest expense | 429,000 | 837,000 | 1,267,000 | 1,680,000 |
| Net interest income | 1,228,000 | 2,470,000 | 3,751,000 | 5,019,000 |
| Noninterest income | 82,000 | 201,000 | 322,000 | 432,000 |
| Noninterest expense | 571,000 | 1,133,000 | 1,692,000 | 2,282,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 739,000 | 1,538,000 | 2,381,000 | 3,169,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 739,000 | 1,538,000 | 2,381,000 | 3,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,676,000 | 8,328,000 | 8,999,000 | 8,054,000 |
| Total capital | 8,255,000 | 8,906,000 | 9,577,000 | 8,633,000 |
| Risk-weighted assets | 61,542,000 | 67,783,000 | 95,489,000 | 72,086,000 |
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