Call reports 2007
CENTRAL VALLEY BANK — 2007
What CENTRAL 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 | 120,648,000 | 123,100,000 | 129,806,000 | 123,690,000 |
| Total loans | 94,033,000 | 101,494,000 | 106,905,000 | 102,268,000 |
| Allowance for loan losses | 1,049,000 | 1,096,000 | 1,149,000 | 1,209,000 |
| Securities available for sale | 12,465,000 | 12,358,000 | 12,812,000 | 9,784,000 |
| Securities held to maturity | 956,000 | 911,000 | 872,000 | 1,340,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,116,000 | 111,497,000 | 112,371,000 | 111,395,000 |
| Interest-bearing deposits | 87,378,000 | 90,584,000 | 89,766,000 | 89,519,000 |
| Noninterest-bearing deposits | 21,738,000 | 20,913,000 | 22,605,000 | 21,876,000 |
| Equity capital | 10,747,000 | 11,031,000 | 11,339,000 | 11,645,000 |
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 | 2,354,000 | 4,796,000 | 7,347,000 | 9,826,000 |
| Interest expense | 784,000 | 1,632,000 | 2,512,000 | 3,359,000 |
| Net interest income | 1,570,000 | 3,164,000 | 4,835,000 | 6,467,000 |
| Noninterest income | 241,000 | 497,000 | 775,000 | 1,062,000 |
| Noninterest expense | 1,085,000 | 2,180,000 | 3,257,000 | 4,304,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 666,000 | 1,361,000 | 2,173,000 | 2,985,000 |
| Income tax | 225,000 | 467,000 | 748,000 | 1,025,000 |
| Net income | 441,000 | 894,000 | 1,425,000 | 1,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,784,000 | 11,068,000 | 11,344,000 | 11,633,000 |
| Total capital | 11,833,000 | 12,164,000 | 12,493,000 | 12,842,000 |
| Risk-weighted assets | 87,467,000 | 97,588,000 | 102,543,000 | 97,271,000 |