Call reports 2007
HOPEWELL VALLEY COMMUNITY BANK — 2007
What HOPEWELL 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 | 235,504,000 | 230,654,000 | 238,733,000 | 244,258,000 |
| Total loans | 174,456,000 | 175,453,000 | 182,476,000 | 184,551,000 |
| Allowance for loan losses | 1,851,000 | 1,803,000 | 1,877,000 | 2,028,000 |
| Securities available for sale | 27,406,000 | 26,029,000 | 24,353,000 | 24,259,000 |
| Securities held to maturity | 3,864,000 | 3,150,000 | 3,114,000 | 3,115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,334,000 | 198,705,000 | 201,533,000 | 201,795,000 |
| Interest-bearing deposits | 179,222,000 | 175,624,000 | 178,982,000 | 178,505,000 |
| Noninterest-bearing deposits | 24,112,000 | 23,081,000 | 22,551,000 | 23,290,000 |
| Equity capital | 20,815,000 | 20,737,000 | 20,905,000 | 21,092,000 |
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 | 3,711,000 | 7,535,000 | 11,433,000 | 15,338,000 |
| Interest expense | 1,948,000 | 3,916,000 | 5,912,000 | 7,988,000 |
| Net interest income | 1,763,000 | 3,619,000 | 5,521,000 | 7,350,000 |
| Noninterest income | 176,000 | 337,000 | 500,000 | 672,000 |
| Noninterest expense | 1,778,000 | 3,601,000 | 5,417,000 | 7,201,000 |
| Provision for loan losses | 34,000 | 100,000 | 208,000 | 371,000 |
| Pretax income | 127,000 | 255,000 | 396,000 | 450,000 |
| Income tax | 16,000 | 34,000 | 56,000 | 58,000 |
| Net income | 111,000 | 221,000 | 340,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,998,000 | 21,117,000 | 21,169,000 | 21,275,000 |
| Total capital | 22,849,000 | 22,920,000 | 23,046,000 | 23,303,000 |
| Risk-weighted assets | 178,649,000 | 180,858,000 | 190,270,000 | 192,591,000 |