Call reports 2007
VALLIANCE BANK — 2007
What VALLIANCE 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 | 120,773,000 | 110,710,000 | 118,893,000 | 158,179,000 |
| Total loans | 96,646,000 | 100,105,000 | 106,774,000 | 147,312,000 |
| Allowance for loan losses | 656,000 | 716,000 | 841,000 | 607,000 |
| Securities available for sale | 5,450,000 | 5,150,000 | 4,091,000 | 4,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,276,000 | 87,693,000 | 108,024,000 | 137,042,000 |
| Interest-bearing deposits | 97,349,000 | 78,832,000 | 100,496,000 | 122,534,000 |
| Noninterest-bearing deposits | 12,926,000 | 8,861,000 | 7,528,000 | 14,508,000 |
| Equity capital | 8,902,000 | 8,811,000 | 9,032,000 | 9,143,000 |
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 | 2,087,000 | 4,162,000 | 6,420,000 | 8,547,000 |
| Interest expense | 1,188,000 | 2,319,000 | 3,516,000 | 4,608,000 |
| Net interest income | 899,000 | 1,843,000 | 2,904,000 | 3,939,000 |
| Noninterest income | 14,000 | 31,000 | 48,000 | 68,000 |
| Noninterest expense | 704,000 | 1,558,000 | 2,371,000 | 3,323,000 |
| Provision for loan losses | 105,000 | 165,000 | 290,000 | 375,000 |
| Pretax income | 104,000 | 151,000 | 291,000 | 309,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 104,000 | 151,000 | 291,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,951,000 | 8,997,000 | 9,137,000 | 9,155,000 |
| Total capital | 9,607,000 | 9,713,000 | 9,978,000 | 9,762,000 |
| Risk-weighted assets | 87,148,000 | 83,766,000 | 89,465,000 | 102,653,000 |