Call reports 2003
CACHE VALLEY BANK — 2003
What CACHE VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 145,391,000 | 155,089,000 | 157,123,000 | 154,362,000 |
| Total loans | 113,614,000 | 119,611,000 | 113,013,000 | 112,742,000 |
| Allowance for loan losses | 1,779,000 | 1,941,000 | 2,016,000 | 2,008,000 |
| Securities available for sale | 15,285,000 | 15,196,000 | 19,294,000 | 25,273,000 |
| Securities held to maturity | 869,000 | 869,000 | 869,000 | 869,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,010,000 | 138,789,000 | 141,120,000 | 137,897,000 |
| Interest-bearing deposits | 110,409,000 | 118,546,000 | 118,728,000 | 115,504,000 |
| Noninterest-bearing deposits | 19,601,000 | 20,243,000 | 22,392,000 | 22,393,000 |
| Equity capital | 11,658,000 | 11,980,000 | 12,235,000 | 12,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,074,000 | 4,164,000 | 6,160,000 | 8,419,000 |
| Interest expense | 868,000 | 1,684,000 | 2,446,000 | 3,187,000 |
| Net interest income | 1,206,000 | 2,480,000 | 3,714,000 | 5,232,000 |
| Noninterest income | 280,000 | 638,000 | 984,000 | 1,235,000 |
| Noninterest expense | 826,000 | 1,675,000 | 2,542,000 | 3,420,000 |
| Provision for loan losses | 210,000 | 420,000 | 540,000 | 600,000 |
| Pretax income | 450,000 | 1,023,000 | 1,616,000 | 2,447,000 |
| Income tax | 171,000 | 356,000 | 618,000 | 834,000 |
| Net income | 279,000 | 667,000 | 998,000 | 1,613,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,517,000 | 11,743,000 | 11,970,000 | 12,389,000 |
| Total capital | 13,042,000 | 13,334,000 | 13,655,000 | 14,147,000 |
| Risk-weighted assets | 121,333,000 | 126,909,000 | 134,489,000 | 140,407,000 |
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