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 | 575,048,000 | 608,626,000 | 610,058,000 | 593,886,000 |
| Total loans | 414,735,000 | 418,314,000 | 423,758,000 | 427,896,000 |
| Allowance for loan losses | 4,067,000 | 4,153,000 | 4,496,000 | 5,159,000 |
| Securities available for sale | 77,079,000 | 91,920,000 | 84,426,000 | 62,788,000 |
| Securities held to maturity | 37,333,000 | 41,869,000 | 49,698,000 | 49,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 482,014,000 | 494,199,000 | 475,210,000 | 449,750,000 |
| Interest-bearing deposits | 435,572,000 | 447,175,000 | 425,951,000 | 401,773,000 |
| Noninterest-bearing deposits | 46,442,000 | 47,024,000 | 49,259,000 | 47,977,000 |
| Equity capital | 43,790,000 | 45,499,000 | 47,838,000 | 47,090,000 |
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 | 10,411,000 | 21,290,000 | 32,554,000 | 42,919,000 |
| Interest expense | 5,424,000 | 11,278,000 | 17,622,000 | 23,373,000 |
| Net interest income | 4,987,000 | 10,012,000 | 14,932,000 | 19,546,000 |
| Noninterest income | 1,990,000 | 4,439,000 | 6,552,000 | 8,946,000 |
| Noninterest expense | 5,099,000 | 10,380,000 | 15,360,000 | 20,503,000 |
| Provision for loan losses | 241,000 | 391,000 | 914,000 | 1,827,000 |
| Pretax income | 1,647,000 | 3,734,000 | 5,310,000 | 6,549,000 |
| Income tax | 503,000 | 1,166,000 | 1,675,000 | 1,747,000 |
| Net income | 1,144,000 | 2,568,000 | 3,635,000 | 4,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,215,000 | 45,638,000 | 47,338,000 | 46,253,000 |
| Total capital | 47,282,000 | 49,791,000 | 51,834,000 | 51,412,000 |
| Risk-weighted assets | 473,548,000 | 490,232,000 | 501,555,000 | 503,816,000 |