Call reports 2011
CACHE VALLEY BANK — 2011
What CACHE VALLEY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 301,784,000 | 295,509,000 | 316,045,000 | 488,018,000 |
| Total loans | 212,965,000 | 220,972,000 | 234,974,000 | 315,361,000 |
| Allowance for loan losses | 4,997,000 | 5,503,000 | 5,807,000 | 6,036,000 |
| Securities available for sale | 10,630,000 | 10,063,000 | 9,120,000 | 25,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,528,000 | 255,050,000 | 271,461,000 | 426,615,000 |
| Interest-bearing deposits | 218,246,000 | 211,273,000 | 226,099,000 | 365,819,000 |
| Noninterest-bearing deposits | 42,282,000 | 43,777,000 | 45,362,000 | 60,796,000 |
| Equity capital | 37,324,000 | 39,163,000 | 43,053,000 | 52,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,568,000 | 7,441,000 | 11,529,000 | 16,751,000 |
| Interest expense | 792,000 | 1,591,000 | 2,370,000 | 3,408,000 |
| Net interest income | 2,776,000 | 5,850,000 | 9,159,000 | 13,343,000 |
| Noninterest income | 2,670,000 | 5,496,000 | 8,381,000 | 27,001,000 |
| Noninterest expense | 2,138,000 | 4,492,000 | 6,932,000 | 11,011,000 |
| Provision for loan losses | 400,000 | 785,000 | 1,120,000 | 2,755,000 |
| Pretax income | 2,908,000 | 6,069,000 | 9,488,000 | 26,578,000 |
| Income tax | 1,100,000 | 2,195,000 | 3,465,000 | 10,364,000 |
| Net income | 1,808,000 | 3,874,000 | 6,023,000 | 16,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,982,000 | 38,787,000 | 42,617,000 | 51,537,000 |
| Total capital | 40,142,000 | 42,074,000 | 46,048,000 | 55,770,000 |
| Risk-weighted assets | 250,828,000 | 260,555,000 | 271,944,000 | 336,662,000 |