Call reports 2007
VALLEY BANK AND TRUST CO. — 2007
What VALLEY BANK AND TRUST CO. 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 | 284,597,000 | 299,510,000 | 301,797,000 | 308,746,000 |
| Total loans | 222,967,000 | 237,868,000 | 241,383,000 | 245,978,000 |
| Allowance for loan losses | 3,069,000 | 3,126,000 | 3,058,000 | 3,017,000 |
| Securities available for sale | 34,927,000 | 33,585,000 | 32,832,000 | 32,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,719,000 | 256,452,000 | 250,886,000 | 245,325,000 |
| Interest-bearing deposits | 217,385,000 | 223,836,000 | 222,155,000 | 214,811,000 |
| Noninterest-bearing deposits | 29,334,000 | 32,616,000 | 28,731,000 | 30,514,000 |
| Equity capital | 23,730,000 | 24,828,000 | 25,634,000 | 26,189,000 |
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 | 4,881,000 | 9,969,000 | 15,286,000 | 20,603,000 |
| Interest expense | 2,521,000 | 5,108,000 | 7,858,000 | 10,600,000 |
| Net interest income | 2,360,000 | 4,861,000 | 7,428,000 | 10,003,000 |
| Noninterest income | 842,000 | 1,592,000 | 2,589,000 | 3,575,000 |
| Noninterest expense | 2,332,000 | 4,634,000 | 7,103,000 | 9,766,000 |
| Provision for loan losses | 0 | 50,000 | 150,000 | 200,000 |
| Pretax income | 870,000 | 1,769,000 | 2,764,000 | 3,604,000 |
| Income tax | 284,000 | 569,000 | 899,000 | 1,171,000 |
| Net income | 586,000 | 1,200,000 | 1,865,000 | 2,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,524,000 | 22,703,000 | 23,276,000 | 23,693,000 |
| Total capital | 24,466,000 | 25,829,000 | 26,334,000 | 26,710,000 |
| Risk-weighted assets | 235,208,000 | 255,446,000 | 256,050,000 | 262,236,000 |