Call reports 2007
VALLANT BANK — 2007
What VALLANT 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 | 434,288,000 | 432,675,000 | 522,977,000 | 533,287,000 |
| Total loans | 313,512,000 | 319,557,000 | 374,510,000 | 387,039,000 |
| Allowance for loan losses | 3,930,000 | 4,118,000 | 5,356,000 | 5,088,000 |
| Securities available for sale | 79,105,000 | 77,995,000 | 93,930,000 | 90,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,896,000 | 347,298,000 | 426,150,000 | 419,549,000 |
| Interest-bearing deposits | 282,040,000 | 278,028,000 | 345,803,000 | 350,176,000 |
| Noninterest-bearing deposits | 69,856,000 | 69,270,000 | 80,347,000 | 69,373,000 |
| Equity capital | 54,552,000 | 54,802,000 | 65,291,000 | 67,711,000 |
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 | 7,481,000 | 15,345,000 | 24,154,000 | 33,429,000 |
| Interest expense | 2,722,000 | 5,591,000 | 9,047,000 | 12,663,000 |
| Net interest income | 4,759,000 | 9,754,000 | 15,107,000 | 20,766,000 |
| Noninterest income | 1,306,000 | 2,879,000 | 4,832,000 | 6,704,000 |
| Noninterest expense | 3,209,000 | 6,666,000 | 10,834,000 | 15,249,000 |
| Provision for loan losses | 291,000 | 582,000 | 873,000 | 873,000 |
| Pretax income | 2,565,000 | 5,385,000 | 8,232,000 | 11,238,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,565,000 | 5,385,000 | 8,232,000 | 11,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,370,000 | 55,474,000 | 54,792,000 | 56,289,000 |
| Total capital | 58,300,000 | 59,592,000 | 60,148,000 | 61,377,000 |
| Risk-weighted assets | 361,172,000 | 382,399,000 | 430,692,000 | 436,679,000 |
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