Call reports 2014
CACHE VALLEY BANK — 2014
What CACHE VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 777,227,000 | 794,888,000 | 810,283,000 | 834,530,000 |
| Total loans | 556,265,000 | 590,632,000 | 612,730,000 | 608,636,000 |
| Allowance for loan losses | 10,695,000 | 10,680,000 | 10,847,000 | 11,741,000 |
| Securities available for sale | 29,654,000 | 12,714,000 | 12,363,000 | 12,327,000 |
| Securities held to maturity | 58,000 | 59,000 | 59,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 686,023,000 | 702,380,000 | 715,973,000 | 739,682,000 |
| Interest-bearing deposits | 474,195,000 | 482,907,000 | 478,523,000 | 511,046,000 |
| Noninterest-bearing deposits | 211,828,000 | 219,473,000 | 237,450,000 | 228,636,000 |
| Equity capital | 83,655,000 | 85,220,000 | 86,483,000 | 87,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 7,804,000 | 16,640,000 | 25,770,000 | 35,125,000 |
| Interest expense | 942,000 | 1,911,000 | 2,854,000 | 3,791,000 |
| Net interest income | 6,862,000 | 14,729,000 | 22,916,000 | 31,334,000 |
| Noninterest income | 9,341,000 | 10,957,000 | 11,583,000 | 12,595,000 |
| Noninterest expense | 5,906,000 | 12,181,000 | 18,148,000 | 23,780,000 |
| Provision for loan losses | 199,000 | 432,000 | 688,000 | 876,000 |
| Pretax income | 10,098,000 | 12,955,000 | 15,545,000 | 19,155,000 |
| Income tax | 1,665,000 | 2,659,000 | 3,580,000 | 4,780,000 |
| Net income | 8,433,000 | 10,296,000 | 11,965,000 | 14,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,810,000 | 82,369,000 | 83,733,000 | 85,254,000 |
| Total capital | 88,713,000 | 90,842,000 | 92,579,000 | 93,700,000 |
| Risk-weighted assets | 629,262,000 | 675,455,000 | 705,466,000 | 672,219,000 |