Call reports 2013
CACHE VALLEY BANK — 2013
What CACHE VALLEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 521,724,000 | 527,010,000 | 682,623,000 | 687,327,000 |
| Total loans | 362,802,000 | 378,328,000 | 427,431,000 | 460,820,000 |
| Allowance for loan losses | 7,550,000 | 8,077,000 | 8,305,000 | 8,461,000 |
| Securities available for sale | 11,376,000 | 11,145,000 | 12,124,000 | 13,009,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,173,000 | 450,045,000 | 597,959,000 | 603,526,000 |
| Interest-bearing deposits | 355,816,000 | 349,016,000 | 423,387,000 | 423,387,000 |
| Noninterest-bearing deposits | 92,357,000 | 101,029,000 | 174,572,000 | 180,139,000 |
| Equity capital | 61,958,000 | 65,172,000 | 72,268,000 | 72,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,284,000 | 12,618,000 | 19,722,000 | 27,077,000 |
| Interest expense | 972,000 | 1,935,000 | 2,906,000 | 3,882,000 |
| Net interest income | 5,312,000 | 10,683,000 | 16,816,000 | 23,195,000 |
| Noninterest income | 2,157,000 | 6,499,000 | 9,511,000 | 11,034,000 |
| Noninterest expense | 3,945,000 | 8,273,000 | 13,421,000 | 19,275,000 |
| Provision for loan losses | 444,000 | 934,000 | 1,440,000 | 1,822,000 |
| Pretax income | 3,080,000 | 7,975,000 | 11,466,000 | 13,132,000 |
| Income tax | 1,080,000 | 2,624,000 | 4,028,000 | 4,686,000 |
| Net income | 2,000,000 | 5,351,000 | 7,438,000 | 8,446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,050,000 | 62,453,000 | 69,176,000 | 69,271,000 |
| Total capital | 64,069,000 | 67,538,000 | 75,433,000 | 75,250,000 |
| Risk-weighted assets | 398,825,000 | 403,634,000 | 498,386,000 | 475,698,000 |