Call reports 2007
PACIFIC VALLEY BANK — 2007
What PACIFIC 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 | 114,789,000 | 123,104,000 | 141,900,000 | 160,785,000 |
| Total loans | 75,916,000 | 78,725,000 | 96,796,000 | 107,765,000 |
| Allowance for loan losses | 871,000 | 909,000 | 1,147,000 | 1,297,000 |
| Securities available for sale | 15,372,000 | 16,740,000 | 22,441,000 | 22,540,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,869,000 | 100,968,000 | 120,027,000 | 139,202,000 |
| Interest-bearing deposits | 77,942,000 | 85,453,000 | 97,314,000 | 113,268,000 |
| Noninterest-bearing deposits | 13,926,000 | 15,514,000 | 22,713,000 | 25,934,000 |
| Equity capital | 19,252,000 | 18,488,000 | 17,872,000 | 17,705,000 |
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 | 1,958,000 | 4,025,000 | 6,288,000 | 8,840,000 |
| Interest expense | 854,000 | 1,813,000 | 2,902,000 | 4,132,000 |
| Net interest income | 1,104,000 | 2,212,000 | 3,386,000 | 4,708,000 |
| Noninterest income | 10,000 | 26,000 | 42,000 | 60,000 |
| Noninterest expense | 1,528,000 | 3,252,000 | 5,144,000 | 6,830,000 |
| Provision for loan losses | 10,000 | 48,000 | 286,000 | 436,000 |
| Pretax income | -424,000 | -1,062,000 | -2,002,000 | -2,498,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -425,000 | -1,063,000 | -2,003,000 | -2,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,290,000 | 18,804,000 | 17,990,000 | 17,596,000 |
| Total capital | 20,161,000 | 19,713,000 | 19,137,000 | 18,893,000 |
| Risk-weighted assets | 73,289,000 | 78,486,000 | 97,169,000 | 110,280,000 |