Call reports 2008
CACHE VALLEY BANK — 2008
What CACHE VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 188,813,000 | 191,785,000 | 200,058,000 | 201,670,000 |
| Total loans | 135,485,000 | 135,796,000 | 138,503,000 | 149,961,000 |
| Allowance for loan losses | 2,412,000 | 3,291,000 | 3,265,000 | 2,946,000 |
| Securities available for sale | 32,309,000 | 26,966,000 | 25,429,000 | 25,975,000 |
| Securities held to maturity | 150,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,951,000 | 163,930,000 | 175,107,000 | 166,497,000 |
| Interest-bearing deposits | 128,244,000 | 133,339,000 | 141,916,000 | 137,670,000 |
| Noninterest-bearing deposits | 35,708,000 | 30,591,000 | 33,191,000 | 28,827,000 |
| Equity capital | 20,799,000 | 21,004,000 | 21,434,000 | 27,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,122,000 | 6,665,000 | 9,905,000 | 13,117,000 |
| Interest expense | 1,234,000 | 2,343,000 | 3,644,000 | 4,866,000 |
| Net interest income | 1,888,000 | 4,322,000 | 6,261,000 | 8,251,000 |
| Noninterest income | 262,000 | 526,000 | 762,000 | 1,225,000 |
| Noninterest expense | 1,121,000 | 2,614,000 | 4,153,000 | 5,632,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,035,000 | 2,227,000 | 2,862,000 | 3,835,000 |
| Income tax | 384,000 | 761,000 | 999,000 | 1,140,000 |
| Net income | 651,000 | 1,466,000 | 1,863,000 | 2,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,261,000 | 20,786,000 | 21,183,000 | 26,627,000 |
| Total capital | 22,170,000 | 22,698,000 | 23,186,000 | 28,704,000 |
| Risk-weighted assets | 152,080,000 | 151,448,000 | 158,911,000 | 165,212,000 |
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