Call reports 2004
CACHE VALLEY BANK — 2004
What CACHE VALLEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 153,491,000 | 155,825,000 | 157,327,000 | 166,000,000 |
| Total loans | 114,697,000 | 119,525,000 | 123,827,000 | 125,289,000 |
| Allowance for loan losses | 1,382,000 | 1,450,000 | 1,504,000 | 1,616,000 |
| Securities available for sale | 26,308,000 | 24,190,000 | 22,849,000 | 22,370,000 |
| Securities held to maturity | 869,000 | 868,000 | 867,000 | 867,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,900,000 | 138,955,000 | 140,151,000 | 148,692,000 |
| Interest-bearing deposits | 115,504,000 | 115,129,000 | 116,717,000 | 124,386,000 |
| Noninterest-bearing deposits | 20,396,000 | 23,826,000 | 23,434,000 | 24,306,000 |
| Equity capital | 12,963,000 | 13,022,000 | 13,400,000 | 13,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,093,000 | 4,168,000 | 6,369,000 | 8,714,000 |
| Interest expense | 671,000 | 1,333,000 | 2,012,000 | 2,741,000 |
| Net interest income | 1,422,000 | 2,835,000 | 4,357,000 | 5,973,000 |
| Noninterest income | 270,000 | 528,000 | 754,000 | 967,000 |
| Noninterest expense | 891,000 | 1,828,000 | 2,705,000 | 3,712,000 |
| Provision for loan losses | 90,000 | 185,000 | 285,000 | 370,000 |
| Pretax income | 711,000 | 1,350,000 | 2,091,000 | 2,829,000 |
| Income tax | 252,000 | 509,000 | 785,000 | 1,010,000 |
| Net income | 459,000 | 841,000 | 1,306,000 | 1,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,649,000 | 12,662,000 | 13,100,000 | 13,627,000 |
| Total capital | 14,031,000 | 14,112,000 | 14,604,000 | 15,204,000 |
| Risk-weighted assets | 133,769,000 | 135,982,000 | 142,041,000 | 144,755,000 |
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