Call reports 2007
VALLEY COMMUNITY BANK — 2007
What VALLEY COMMUNITY 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 | 171,228,000 | 173,044,000 | 179,433,000 | 168,188,000 |
| Total loans | 134,776,000 | 140,952,000 | 139,589,000 | 130,005,000 |
| Allowance for loan losses | 1,933,000 | 1,937,000 | 1,918,000 | 1,786,000 |
| Securities available for sale | 1,249,000 | 3,791,000 | 5,052,000 | 2,749,000 |
| Securities held to maturity | 12,020,000 | 9,329,000 | 6,151,000 | 5,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,451,000 | 146,134,000 | 153,820,000 | 141,393,000 |
| Interest-bearing deposits | 114,121,000 | 113,721,000 | 116,991,000 | 105,816,000 |
| Noninterest-bearing deposits | 30,330,000 | 32,413,000 | 36,829,000 | 35,577,000 |
| Equity capital | 18,067,000 | 18,626,000 | 19,303,000 | 19,764,000 |
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 | 3,465,000 | 6,855,000 | 10,329,000 | 13,538,000 |
| Interest expense | 1,173,000 | 2,358,000 | 3,529,000 | 4,635,000 |
| Net interest income | 2,292,000 | 4,497,000 | 6,800,000 | 8,903,000 |
| Noninterest income | 244,000 | 479,000 | 915,000 | 1,111,000 |
| Noninterest expense | 1,514,000 | 3,113,000 | 4,755,000 | 6,376,000 |
| Provision for loan losses | 60,000 | 90,000 | 125,000 | 135,000 |
| Pretax income | 962,000 | 1,773,000 | 2,835,000 | 3,503,000 |
| Income tax | 397,000 | 737,000 | 1,173,000 | 1,455,000 |
| Net income | 565,000 | 1,036,000 | 1,662,000 | 2,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,067,000 | 18,626,000 | 19,303,000 | 19,764,000 |
| Total capital | 19,904,000 | 20,541,000 | 21,241,000 | 21,575,000 |
| Risk-weighted assets | 150,312,000 | 153,143,000 | 155,040,000 | 144,868,000 |