Call reports 2007
BANK OF THE VALLEY — 2007
What BANK OF THE VALLEY 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 | 39,126,000 | 42,143,000 | 50,846,000 | 54,820,000 |
| Total loans | 32,304,000 | 35,931,000 | 42,736,000 | 44,053,000 |
| Allowance for loan losses | 734,000 | 704,000 | 728,000 | 728,000 |
| Securities available for sale | 608,000 | 1,192,000 | 1,100,000 | 1,713,000 |
| Securities held to maturity | 3,290,000 | 2,682,000 | 3,013,000 | 2,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,934,000 | 34,467,000 | 40,738,000 | 45,742,000 |
| Interest-bearing deposits | 28,393,000 | 29,934,000 | 36,360,000 | 38,978,000 |
| Noninterest-bearing deposits | 4,540,000 | 4,533,000 | 4,378,000 | 6,764,000 |
| Equity capital | 3,400,000 | 3,397,000 | 4,503,000 | 4,516,000 |
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 | 695,000 | 1,441,000 | 2,314,000 | 3,237,000 |
| Interest expense | 310,000 | 660,000 | 1,070,000 | 1,479,000 |
| Net interest income | 385,000 | 781,000 | 1,244,000 | 1,758,000 |
| Noninterest income | 47,000 | 112,000 | 174,000 | 242,000 |
| Noninterest expense | 281,000 | 600,000 | 969,000 | 1,406,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 151,000 | 293,000 | 449,000 | 594,000 |
| Income tax | 42,000 | 80,000 | 124,000 | 147,000 |
| Net income | 109,000 | 213,000 | 325,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,400,000 | 3,407,000 | 4,278,000 | 4,299,000 |
| Total capital | 3,816,000 | 3,863,000 | 4,793,000 | 4,882,000 |
| Risk-weighted assets | 33,173,000 | 36,502,000 | 43,365,000 | 47,017,000 |