Call reports 2007
TRI-VALLEY BANK — 2007
What TRI-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 | 71,842,000 | 75,056,000 | 85,390,000 | 85,968,000 |
| Total loans | 53,868,000 | 64,154,000 | 73,289,000 | 77,678,000 |
| Allowance for loan losses | 793,000 | 860,000 | 773,000 | 841,000 |
| Securities available for sale | 3,749,000 | 3,139,000 | 1,974,000 | 2,827,000 |
| Securities held to maturity | 4,124,000 | 3,915,000 | 3,686,000 | 3,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,220,000 | 55,632,000 | 67,874,000 | 63,702,000 |
| Interest-bearing deposits | 51,026,000 | 47,341,000 | 58,140,000 | 55,333,000 |
| Noninterest-bearing deposits | 6,194,000 | 8,291,000 | 9,733,000 | 8,368,000 |
| Equity capital | 14,277,000 | 14,075,000 | 14,089,000 | 14,080,000 |
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 | 1,322,000 | 2,779,000 | 4,402,000 | 6,123,000 |
| Interest expense | 507,000 | 1,061,000 | 1,689,000 | 2,358,000 |
| Net interest income | 815,000 | 1,718,000 | 2,713,000 | 3,765,000 |
| Noninterest income | 129,000 | 141,000 | 152,000 | 166,000 |
| Noninterest expense | 1,126,000 | 2,381,000 | 3,634,000 | 4,842,000 |
| Provision for loan losses | 199,000 | 266,000 | 254,000 | 322,000 |
| Pretax income | -381,000 | -788,000 | -1,023,000 | -1,233,000 |
| Income tax | 1,000 | 1,000 | 0 | 0 |
| Net income | -382,000 | -789,000 | -1,023,000 | -1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,290,000 | 14,117,000 | 14,110,000 | 14,137,000 |
| Total capital | 15,083,000 | 14,977,000 | 14,980,000 | 15,067,000 |
| Risk-weighted assets | 70,050,000 | 77,677,000 | 85,173,000 | 88,700,000 |