Call reports 2007
VALUEBANK TEXAS — 2007
What VALUEBANK TEXAS 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 | 161,369,000 | 157,962,000 | 162,156,000 | 157,000,000 |
| Total loans | 102,254,000 | 102,502,000 | 99,091,000 | 98,051,000 |
| Allowance for loan losses | 1,038,000 | 1,043,000 | 1,051,000 | 999,000 |
| Securities available for sale | 12,579,000 | 12,146,000 | 11,940,000 | 18,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,216,000 | 139,691,000 | 142,793,000 | 138,038,000 |
| Interest-bearing deposits | 83,245,000 | 87,946,000 | 90,595,000 | 87,727,000 |
| Noninterest-bearing deposits | 59,971,000 | 51,745,000 | 52,198,000 | 50,311,000 |
| Equity capital | 14,392,000 | 14,696,000 | 15,451,000 | 15,575,000 |
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 | 2,745,000 | 5,633,000 | 8,540,000 | 11,397,000 |
| Interest expense | 570,000 | 1,187,000 | 1,834,000 | 2,450,000 |
| Net interest income | 2,175,000 | 4,446,000 | 6,706,000 | 8,947,000 |
| Noninterest income | 863,000 | 1,825,000 | 2,762,000 | 3,758,000 |
| Noninterest expense | 2,187,000 | 4,217,000 | 6,350,000 | 8,746,000 |
| Provision for loan losses | 7,000 | 33,000 | 64,000 | 82,000 |
| Pretax income | 844,000 | 2,021,000 | 3,054,000 | 3,877,000 |
| Income tax | 279,000 | 676,000 | 1,024,000 | 1,293,000 |
| Net income | 565,000 | 1,345,000 | 2,030,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,523,000 | 14,862,000 | 15,548,000 | 15,584,000 |
| Total capital | 15,561,000 | 15,905,000 | 16,599,000 | 16,583,000 |
| Risk-weighted assets | 116,788,000 | 117,363,000 | 113,269,000 | 109,958,000 |