Call reports 2007
VALLEY COMMUNITY BANK — 2007
What VALLEY COMMUNITY 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 | 153,444,000 | 159,075,000 | 166,802,000 | 160,390,000 |
| Total loans | 131,895,000 | 137,981,000 | 143,486,000 | 139,135,000 |
| Allowance for loan losses | 1,369,000 | 1,314,000 | 1,321,000 | 1,309,000 |
| Securities available for sale | 17,270,000 | 15,773,000 | 14,914,000 | 14,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,856,000 | 136,343,000 | 142,739,000 | 135,185,000 |
| Interest-bearing deposits | 118,550,000 | 116,975,000 | 122,954,000 | 118,986,000 |
| Noninterest-bearing deposits | 16,306,000 | 19,368,000 | 19,785,000 | 16,199,000 |
| Equity capital | 12,530,000 | 12,643,000 | 13,178,000 | 13,156,000 |
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 | 2,621,000 | 5,341,000 | 8,257,000 | 11,038,000 |
| Interest expense | 1,150,000 | 2,341,000 | 3,667,000 | 5,024,000 |
| Net interest income | 1,471,000 | 3,000,000 | 4,590,000 | 6,014,000 |
| Noninterest income | 134,000 | 287,000 | 424,000 | 576,000 |
| Noninterest expense | 1,330,000 | 2,778,000 | 4,265,000 | 5,851,000 |
| Provision for loan losses | 33,000 | 98,000 | 124,000 | 139,000 |
| Pretax income | 242,000 | 411,000 | 625,000 | 605,000 |
| Income tax | 83,000 | 141,000 | 214,000 | 272,000 |
| Net income | 159,000 | 270,000 | 411,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,660,000 | 12,770,000 | 13,212,000 | 13,135,000 |
| Total capital | 14,029,000 | 14,084,000 | 14,533,000 | 14,444,000 |
| Risk-weighted assets | 138,796,000 | 140,596,000 | 145,382,000 | 142,455,000 |