Call reports 2007
VALLIANCE BANK — 2007
What VALLIANCE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Total assets | 13,590,000 | 24,591,000 | 29,944,000 |
| Total loans | 11,778,000 | 22,731,000 | 28,697,000 |
| Allowance for loan losses | 114,000 | 227,000 | 287,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 4,344,000 | 15,643,000 | 21,105,000 |
| Interest-bearing deposits | 4,148,000 | 14,977,000 | 19,685,000 |
| Noninterest-bearing deposits | 196,000 | 666,000 | 1,420,000 |
| Equity capital | 9,201,000 | 8,886,000 | 8,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Interest income | 179,000 | 609,000 | 1,274,000 |
| Interest expense | 16,000 | 146,000 | 378,000 |
| Net interest income | 163,000 | 463,000 | 896,000 |
| Noninterest income | 0 | 1,000 | 4,000 |
| Noninterest expense | 848,000 | 1,352,000 | 1,864,000 |
| Provision for loan losses | 114,000 | 227,000 | 287,000 |
| Pretax income | -799,000 | -1,115,000 | -1,251,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -799,000 | -1,115,000 | -1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|
| Tier 1 capital | 9,201,000 | 8,886,000 | 8,749,000 |
| Total capital | 9,315,000 | 9,113,000 | 9,036,000 |
| Risk-weighted assets | 13,093,000 | 24,016,000 | 30,373,000 |