Call reports 2007
UNITED VALLEY BANK — 2007
What UNITED 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 | 132,998,000 | 136,240,000 | 142,171,000 | 139,959,000 |
| Total loans | 108,811,000 | 112,558,000 | 116,856,000 | 113,347,000 |
| Allowance for loan losses | 1,807,000 | 1,869,000 | 1,818,000 | 1,726,000 |
| Securities available for sale | 9,419,000 | 8,071,000 | 7,578,000 | 6,934,000 |
| Securities held to maturity | 8,522,000 | 9,851,000 | 10,791,000 | 12,633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,290,000 | 112,823,000 | 113,923,000 | 120,386,000 |
| Interest-bearing deposits | 98,337,000 | 98,633,000 | 98,407,000 | 100,693,000 |
| Noninterest-bearing deposits | 13,953,000 | 14,190,000 | 15,516,000 | 19,693,000 |
| Equity capital | 10,597,000 | 10,940,000 | 11,345,000 | 11,664,000 |
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 | 2,334,000 | 4,856,000 | 7,509,000 | 10,094,000 |
| Interest expense | 1,067,000 | 2,222,000 | 3,430,000 | 4,536,000 |
| Net interest income | 1,267,000 | 2,634,000 | 4,079,000 | 5,558,000 |
| Noninterest income | 131,000 | 282,000 | 416,000 | 587,000 |
| Noninterest expense | 915,000 | 1,819,000 | 2,734,000 | 3,920,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 230,000 |
| Pretax income | 423,000 | 977,000 | 1,591,000 | 1,995,000 |
| Income tax | 26,000 | 62,000 | 101,000 | 132,000 |
| Net income | 397,000 | 915,000 | 1,490,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,649,000 | 11,044,000 | 11,375,000 | 11,649,000 |
| Total capital | 12,116,000 | 12,549,000 | 12,931,000 | 13,185,000 |
| Risk-weighted assets | 117,027,000 | 120,009,000 | 124,232,000 | 122,722,000 |