Call reports 2007
VALLEY STATE BANK — 2007
What 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 | 118,776,000 | 115,345,000 | 113,026,000 | 110,053,000 |
| Total loans | 47,457,000 | 45,833,000 | 46,649,000 | 46,850,000 |
| Allowance for loan losses | 526,000 | 552,000 | 506,000 | 489,000 |
| Securities available for sale | 55,261,000 | 55,750,000 | 54,412,000 | 53,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,677,000 | 100,866,000 | 97,710,000 | 94,236,000 |
| Interest-bearing deposits | 97,000,000 | 93,907,000 | 90,673,000 | 88,589,000 |
| Noninterest-bearing deposits | 6,677,000 | 6,959,000 | 7,037,000 | 5,647,000 |
| Equity capital | 14,452,000 | 13,975,000 | 14,791,000 | 15,303,000 |
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 | 1,597,000 | 3,250,000 | 4,883,000 | 6,491,000 |
| Interest expense | 1,005,000 | 2,010,000 | 3,007,000 | 3,934,000 |
| Net interest income | 592,000 | 1,240,000 | 1,876,000 | 2,557,000 |
| Noninterest income | 73,000 | 146,000 | 217,000 | 288,000 |
| Noninterest expense | 491,000 | 1,015,000 | 1,587,000 | 2,122,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 144,000 | 311,000 | 436,000 | 650,000 |
| Income tax | 36,000 | 80,000 | 109,000 | 161,000 |
| Net income | 108,000 | 231,000 | 327,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,937,000 | 15,058,000 | 15,155,000 | 15,318,000 |
| Total capital | 15,463,000 | 15,610,000 | 15,661,000 | 15,807,000 |
| Risk-weighted assets | 64,061,000 | 62,547,000 | 61,825,000 | 60,540,000 |