Call reports 2007
MEDINA VALLEY STATE BANK — 2007
What MEDINA 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 | 78,119,000 | 76,319,000 | 74,248,000 | 77,828,000 |
| Total loans | 19,697,000 | 21,191,000 | 21,259,000 | 21,153,000 |
| Allowance for loan losses | 414,000 | 366,000 | 348,000 | 301,000 |
| Securities available for sale | 39,181,000 | 40,414,000 | 39,544,000 | 39,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,061,000 | 67,276,000 | 64,799,000 | 68,272,000 |
| Interest-bearing deposits | 56,107,000 | 55,134,000 | 53,109,000 | 53,859,000 |
| Noninterest-bearing deposits | 12,954,000 | 12,142,000 | 11,690,000 | 14,413,000 |
| Equity capital | 8,313,000 | 8,267,000 | 8,557,000 | 8,858,000 |
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 | 1,051,000 | 2,116,000 | 3,180,000 | 4,222,000 |
| Interest expense | 399,000 | 814,000 | 1,237,000 | 1,642,000 |
| Net interest income | 652,000 | 1,302,000 | 1,943,000 | 2,580,000 |
| Noninterest income | 206,000 | 415,000 | 636,000 | 901,000 |
| Noninterest expense | 606,000 | 1,238,000 | 1,796,000 | 2,436,000 |
| Provision for loan losses | 30,000 | 0 | 0 | 0 |
| Pretax income | 222,000 | 479,000 | 783,000 | 1,045,000 |
| Income tax | 15,000 | 81,000 | 195,000 | 246,000 |
| Net income | 207,000 | 398,000 | 588,000 | 799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,561,000 | 8,752,000 | 8,741,000 | 8,803,000 |
| Total capital | 8,924,000 | 9,119,000 | 9,096,000 | 9,111,000 |
| Risk-weighted assets | 28,963,000 | 29,372,000 | 28,625,000 | 29,197,000 |