Call reports 2007
VALLEY VIEW STATE BANK — 2007
What VALLEY VIEW STATE 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 | 636,585,000 | 627,786,000 | 632,998,000 | 668,872,000 |
| Total loans | 405,992,000 | 407,071,000 | 403,648,000 | 441,737,000 |
| Allowance for loan losses | 9,790,000 | 9,463,000 | 9,526,000 | 8,877,000 |
| Securities available for sale | 105,948,000 | 126,126,000 | 141,364,000 | 116,150,000 |
| Securities held to maturity | 65,070,000 | 62,423,000 | 59,440,000 | 57,447,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 520,468,000 | 512,854,000 | 512,751,000 | 541,191,000 |
| Interest-bearing deposits | 92,892,000 | 425,353,000 | 426,504,000 | 448,600,000 |
| Noninterest-bearing deposits | 427,576,000 | 87,501,000 | 86,247,000 | 92,591,000 |
| Equity capital | 91,242,000 | 92,478,000 | 95,086,000 | 98,233,000 |
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 | 10,679,000 | 21,121,000 | 32,193,000 | 44,413,000 |
| Interest expense | 3,791,000 | 7,767,000 | 11,911,000 | 15,903,000 |
| Net interest income | 6,888,000 | 13,354,000 | 20,282,000 | 28,510,000 |
| Noninterest income | 722,000 | 1,674,000 | 7,847,000 | 8,569,000 |
| Noninterest expense | 3,192,000 | 6,316,000 | 9,639,000 | 13,163,000 |
| Provision for loan losses | 1,000 | -27,000 | -15,000 | -234,000 |
| Pretax income | 4,417,000 | 8,739,000 | 18,505,000 | 24,150,000 |
| Income tax | 1,590,000 | 3,134,000 | 6,548,000 | 8,450,000 |
| Net income | 2,827,000 | 5,605,000 | 11,957,000 | 15,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,388,000 | 93,196,000 | 94,897,000 | 97,339,000 |
| Total capital | 97,831,000 | 99,753,000 | 100,859,000 | 104,374,000 |
| Risk-weighted assets | 512,073,000 | 521,680,000 | 534,292,000 | 560,945,000 |