Call reports 2007
SONOMA VALLEY BANK — 2007
What SONOMA 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 | 274,477,000 | 284,861,000 | 297,540,000 | 297,700,000 |
| Total loans | 225,659,000 | 237,363,000 | 248,885,000 | 250,461,000 |
| Allowance for loan losses | 3,403,000 | 3,695,000 | 3,800,000 | 3,723,000 |
| Securities available for sale | 15,055,000 | 11,079,000 | 10,156,000 | 8,203,000 |
| Securities held to maturity | 15,789,000 | 15,875,000 | 15,687,000 | 14,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,410,000 | 226,835,000 | 229,167,000 | 236,103,000 |
| Interest-bearing deposits | 174,495,000 | 174,328,000 | 175,223,000 | 177,458,000 |
| Noninterest-bearing deposits | 51,915,000 | 52,507,000 | 53,944,000 | 58,645,000 |
| Equity capital | 25,588,000 | 26,286,000 | 26,006,000 | 27,218,000 |
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 | 4,938,000 | 10,138,000 | 15,417,000 | 20,804,000 |
| Interest expense | 1,463,000 | 3,023,000 | 4,731,000 | 6,437,000 |
| Net interest income | 3,475,000 | 7,115,000 | 10,686,000 | 14,367,000 |
| Noninterest income | 550,000 | 1,129,000 | 1,710,000 | 2,278,000 |
| Noninterest expense | 1,790,000 | 3,870,000 | 6,064,000 | 8,289,000 |
| Provision for loan losses | 135,000 | 425,000 | 565,000 | 680,000 |
| Pretax income | 2,100,000 | 3,949,000 | 5,767,000 | 7,676,000 |
| Income tax | 785,000 | 1,447,000 | 2,089,000 | 2,814,000 |
| Net income | 1,315,000 | 2,502,000 | 3,678,000 | 4,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,608,000 | 26,393,000 | 26,052,000 | 26,507,000 |
| Total capital | 28,901,000 | 29,785,000 | 29,561,000 | 29,996,000 |
| Risk-weighted assets | 263,314,000 | 271,057,000 | 280,414,000 | 278,875,000 |