Call reports 2009
CACHE VALLEY BANK — 2009
What CACHE VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 200,468,000 | 248,864,000 | 250,070,000 | 259,146,000 |
| Total loans | 143,695,000 | 155,050,000 | 164,078,000 | 177,067,000 |
| Allowance for loan losses | 2,827,000 | 3,243,000 | 3,282,000 | 3,001,000 |
| Securities available for sale | 23,602,000 | 21,326,000 | 19,459,000 | 18,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,498,000 | 210,325,000 | 211,179,000 | 216,788,000 |
| Interest-bearing deposits | 136,383,000 | 179,475,000 | 177,085,000 | 184,919,000 |
| Noninterest-bearing deposits | 29,115,000 | 30,850,000 | 34,094,000 | 31,869,000 |
| Equity capital | 27,461,000 | 27,721,000 | 28,301,000 | 32,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,295,000 | 6,555,000 | 9,794,000 | 13,160,000 |
| Interest expense | 1,094,000 | 2,270,000 | 3,297,000 | 4,236,000 |
| Net interest income | 2,201,000 | 4,285,000 | 6,497,000 | 8,924,000 |
| Noninterest income | 347,000 | 1,123,000 | 1,414,000 | 1,771,000 |
| Noninterest expense | 1,722,000 | 3,521,000 | 5,154,000 | 7,087,000 |
| Provision for loan losses | 30,000 | 310,000 | 340,000 | 620,000 |
| Pretax income | 796,000 | 1,577,000 | 2,416,000 | 2,982,000 |
| Income tax | 240,000 | 488,000 | 745,000 | 1,066,000 |
| Net income | 556,000 | 1,089,000 | 1,671,000 | 1,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,001,000 | 27,315,000 | 27,703,000 | 32,364,000 |
| Total capital | 29,020,000 | 29,569,000 | 30,068,000 | 34,871,000 |
| Risk-weighted assets | 160,587,000 | 179,200,000 | 188,158,000 | 199,945,000 |
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