Call reports 2007
VALLEY BANK — 2007
What 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 | 572,612,000 | 581,063,000 | 592,472,000 | 595,896,000 |
| Total loans | 471,896,000 | 479,707,000 | 484,391,000 | 483,124,000 |
| Allowance for loan losses | 6,379,000 | 6,075,000 | 5,368,000 | 4,883,000 |
| Securities available for sale | 47,961,000 | 50,307,000 | 57,813,000 | 58,540,000 |
| Securities held to maturity | 19,980,000 | 17,840,000 | 17,709,000 | 17,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,306,000 | 418,001,000 | 433,996,000 | 437,026,000 |
| Interest-bearing deposits | 401,792,000 | 399,139,000 | 418,598,000 | 420,664,000 |
| Noninterest-bearing deposits | 16,514,000 | 18,862,000 | 15,398,000 | 16,362,000 |
| Equity capital | 45,012,000 | 45,538,000 | 46,872,000 | 48,363,000 |
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 | 9,509,000 | 19,095,000 | 29,018,000 | 38,712,000 |
| Interest expense | 5,451,000 | 10,972,000 | 16,700,000 | 22,242,000 |
| Net interest income | 4,058,000 | 8,123,000 | 12,318,000 | 16,470,000 |
| Noninterest income | 625,000 | 1,235,000 | 1,798,000 | 2,346,000 |
| Noninterest expense | 3,094,000 | 6,577,000 | 9,565,000 | 13,238,000 |
| Provision for loan losses | 720,000 | 842,000 | 1,324,000 | 1,250,000 |
| Pretax income | 869,000 | 1,889,000 | 3,177,000 | 4,278,000 |
| Income tax | 224,000 | 147,000 | 604,000 | 617,000 |
| Net income | 645,000 | 1,742,000 | 2,573,000 | 3,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,311,000 | 46,408,000 | 47,239,000 | 48,327,000 |
| Total capital | 51,427,000 | 52,483,000 | 52,607,000 | 53,210,000 |
| Risk-weighted assets | 488,999,000 | 496,676,000 | 502,905,000 | 503,680,000 |