Call reports 2007
CACHE VALLEY BANK — 2007
What CACHE 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 | 176,786,000 | 181,470,000 | 185,825,000 | 184,439,000 |
| Total loans | 115,240,000 | 119,700,000 | 123,775,000 | 130,198,000 |
| Allowance for loan losses | 1,970,000 | 2,314,000 | 2,307,000 | 2,333,000 |
| Securities available for sale | 34,554,000 | 33,868,000 | 35,184,000 | 40,167,000 |
| Securities held to maturity | 151,000 | 150,000 | 150,000 | 151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,291,000 | 158,308,000 | 161,635,000 | 160,379,000 |
| Interest-bearing deposits | 120,032,000 | 123,077,000 | 126,816,000 | 126,382,000 |
| Noninterest-bearing deposits | 34,259,000 | 35,231,000 | 34,819,000 | 33,997,000 |
| Equity capital | 18,507,000 | 18,875,000 | 19,729,000 | 20,086,000 |
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 | 3,020,000 | 6,195,000 | 9,540,000 | 12,817,000 |
| Interest expense | 1,264,000 | 2,506,000 | 3,883,000 | 5,269,000 |
| Net interest income | 1,756,000 | 3,689,000 | 5,657,000 | 7,548,000 |
| Noninterest income | 165,000 | 295,000 | 430,000 | 536,000 |
| Noninterest expense | 1,146,000 | 2,309,000 | 3,474,000 | 4,761,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 775,000 | 1,675,000 | 2,613,000 | 3,381,000 |
| Income tax | 265,000 | 578,000 | 903,000 | 1,071,000 |
| Net income | 510,000 | 1,097,000 | 1,710,000 | 2,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,327,000 | 18,917,000 | 19,533,000 | 19,763,000 |
| Total capital | 20,024,000 | 20,690,000 | 21,346,000 | 21,683,000 |
| Risk-weighted assets | 135,464,000 | 141,281,000 | 145,167,000 | 153,114,000 |
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