Call reports 2007
VALLEY BUSINESS BANK — 2007
What VALLEY BUSINESS 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 | 262,595,000 | 267,175,000 | 280,508,000 | 279,007,000 |
| Total loans | 190,285,000 | 196,738,000 | 199,874,000 | 201,271,000 |
| Allowance for loan losses | 1,752,000 | 1,752,000 | 1,752,000 | 1,757,000 |
| Securities available for sale | 53,247,000 | 51,153,000 | 58,964,000 | 56,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,840,000 | 213,906,000 | 210,972,000 | 215,765,000 |
| Interest-bearing deposits | 183,473,000 | 188,548,000 | 188,822,000 | 193,741,000 |
| Noninterest-bearing deposits | 26,367,000 | 25,358,000 | 22,150,000 | 22,024,000 |
| Equity capital | 28,879,000 | 29,216,000 | 30,432,000 | 31,485,000 |
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 | 4,483,000 | 9,117,000 | 13,848,000 | 18,544,000 |
| Interest expense | 1,697,000 | 3,485,000 | 5,242,000 | 6,861,000 |
| Net interest income | 2,786,000 | 5,632,000 | 8,606,000 | 11,683,000 |
| Noninterest income | 262,000 | 524,000 | 808,000 | 1,058,000 |
| Noninterest expense | 2,004,000 | 3,973,000 | 6,012,000 | 8,151,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,044,000 | 2,182,000 | 3,401,000 | 4,589,000 |
| Income tax | 352,000 | 696,000 | 1,086,000 | 1,461,000 |
| Net income | 692,000 | 1,486,000 | 2,315,000 | 3,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,045,000 | 29,858,000 | 30,705,000 | 31,538,000 |
| Total capital | 30,837,000 | 31,650,000 | 32,497,000 | 33,335,000 |
| Risk-weighted assets | 217,223,000 | 223,703,000 | 230,874,000 | 230,872,000 |