Call reports 2012
CACHE VALLEY BANK — 2012
What CACHE VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 481,569,000 | 538,724,000 | 521,372,000 | 523,874,000 |
| Total loans | 322,357,000 | 354,086,000 | 356,285,000 | 361,098,000 |
| Allowance for loan losses | 6,208,000 | 6,911,000 | 7,178,000 | 7,398,000 |
| Securities available for sale | 13,905,000 | 15,355,000 | 11,036,000 | 11,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,621,000 | 474,864,000 | 455,505,000 | 452,227,000 |
| Interest-bearing deposits | 351,843,000 | 387,551,000 | 365,957,000 | 357,038,000 |
| Noninterest-bearing deposits | 62,778,000 | 87,313,000 | 89,548,000 | 95,189,000 |
| Equity capital | 54,925,000 | 56,950,000 | 58,850,000 | 60,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,807,000 | 11,945,000 | 18,431,000 | 25,344,000 |
| Interest expense | 1,144,000 | 2,161,000 | 3,250,000 | 4,299,000 |
| Net interest income | 4,663,000 | 9,784,000 | 15,181,000 | 21,045,000 |
| Noninterest income | 3,727,000 | 6,387,000 | 9,141,000 | 12,145,000 |
| Noninterest expense | 3,451,000 | 6,836,000 | 10,650,000 | 15,139,000 |
| Provision for loan losses | 210,000 | 1,076,000 | 1,675,000 | 2,090,000 |
| Pretax income | 4,957,000 | 8,487,000 | 12,225,000 | 16,189,000 |
| Income tax | 1,936,000 | 3,171,000 | 4,575,000 | 6,357,000 |
| Net income | 3,021,000 | 5,316,000 | 7,650,000 | 9,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,528,000 | 53,528,000 | 55,558,000 | 56,999,000 |
| Total capital | 58,649,000 | 58,285,000 | 60,416,000 | 61,831,000 |
| Risk-weighted assets | 327,636,000 | 378,246,000 | 386,151,000 | 383,794,000 |