Call reports 2010
CACHE VALLEY BANK — 2010
What CACHE VALLEY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 276,299,000 | 270,900,000 | 276,216,000 | 278,466,000 |
| Total loans | 186,897,000 | 198,460,000 | 213,987,000 | 211,890,000 |
| Allowance for loan losses | 3,690,000 | 3,735,000 | 3,703,000 | 4,951,000 |
| Securities available for sale | 20,906,000 | 15,069,000 | 15,235,000 | 14,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,468,000 | 231,392,000 | 236,286,000 | 239,498,000 |
| Interest-bearing deposits | 201,060,000 | 196,900,000 | 196,680,000 | 193,893,000 |
| Noninterest-bearing deposits | 32,408,000 | 34,492,000 | 39,606,000 | 45,605,000 |
| Equity capital | 33,405,000 | 33,859,000 | 34,597,000 | 35,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,074,000 | 7,835,000 | 12,098,000 | 17,045,000 |
| Interest expense | 887,000 | 1,803,000 | 2,692,000 | 3,542,000 |
| Net interest income | 3,187,000 | 6,032,000 | 9,406,000 | 13,503,000 |
| Noninterest income | 289,000 | 649,000 | 1,025,000 | 3,864,000 |
| Noninterest expense | 1,737,000 | 3,707,000 | 5,961,000 | 8,829,000 |
| Provision for loan losses | 490,000 | 580,000 | 685,000 | 2,043,000 |
| Pretax income | 1,251,000 | 2,396,000 | 3,787,000 | 6,497,000 |
| Income tax | 415,000 | 814,000 | 1,260,000 | 2,357,000 |
| Net income | 836,000 | 1,582,000 | 2,527,000 | 4,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,954,000 | 33,431,000 | 34,106,000 | 35,439,000 |
| Total capital | 35,586,000 | 36,167,000 | 37,035,000 | 38,514,000 |
| Risk-weighted assets | 209,420,000 | 217,736,000 | 233,423,000 | 243,942,000 |