Call reports 2007
VALLEY CENTRAL BANK — 2007
What VALLEY CENTRAL 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 | 79,701,000 | 79,985,000 | 80,535,000 | 79,702,000 |
| Total loans | 52,742,000 | 53,110,000 | 54,679,000 | 54,202,000 |
| Allowance for loan losses | 308,000 | 303,000 | 318,000 | 333,000 |
| Securities available for sale | 10,001,000 | 9,171,000 | 9,910,000 | 8,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,429,000 | 53,562,000 | 53,842,000 | 53,326,000 |
| Interest-bearing deposits | 52,871,000 | 52,919,000 | 53,246,000 | 52,821,000 |
| Noninterest-bearing deposits | 558,000 | 643,000 | 596,000 | 505,000 |
| Equity capital | 24,776,000 | 25,010,000 | 25,244,000 | 25,149,000 |
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 | 1,144,000 | 2,307,000 | 3,491,000 | 4,653,000 |
| Interest expense | 448,000 | 911,000 | 1,385,000 | 1,872,000 |
| Net interest income | 696,000 | 1,396,000 | 2,106,000 | 2,781,000 |
| Noninterest income | 7,000 | 14,000 | 20,000 | 27,000 |
| Noninterest expense | 382,000 | 742,000 | 1,086,000 | 1,458,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 306,000 | 638,000 | 995,000 | 1,290,000 |
| Income tax | 104,000 | 217,000 | 338,000 | 439,000 |
| Net income | 202,000 | 421,000 | 657,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,042,000 | 24,261,000 | 24,497,000 | 24,690,000 |
| Total capital | 24,855,000 | 25,079,000 | 25,316,000 | 25,309,000 |
| Risk-weighted assets | 39,489,000 | 39,671,000 | 38,710,000 | 39,824,000 |