Call reports 2015
CACHE VALLEY BANK — 2015
What CACHE VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 840,334,000 | 854,932,000 | 866,073,000 | 913,045,000 |
| Total loans | 617,349,000 | 647,122,000 | 667,508,000 | 692,496,000 |
| Allowance for loan losses | 11,904,000 | 12,608,000 | 12,216,000 | 12,024,000 |
| Securities available for sale | 12,360,000 | 13,008,000 | 12,921,000 | 13,055,000 |
| Securities held to maturity | 61,000 | 53,000 | 53,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 746,075,000 | 760,892,000 | 771,235,000 | 815,237,000 |
| Interest-bearing deposits | 500,188,000 | 498,524,000 | 499,547,000 | 537,133,000 |
| Noninterest-bearing deposits | 245,887,000 | 262,368,000 | 271,688,000 | 278,104,000 |
| Equity capital | 87,319,000 | 87,193,000 | 87,549,000 | 90,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 9,141,000 | 18,913,000 | 28,462,000 | 38,459,000 |
| Interest expense | 892,000 | 1,772,000 | 2,664,000 | 3,612,000 |
| Net interest income | 8,249,000 | 17,141,000 | 25,798,000 | 34,847,000 |
| Noninterest income | 2,031,000 | 7,329,000 | 9,417,000 | 13,576,000 |
| Noninterest expense | 5,677,000 | 11,658,000 | 18,038,000 | 24,966,000 |
| Provision for loan losses | 188,000 | 1,188,000 | 1,188,000 | 1,188,000 |
| Pretax income | 4,415,000 | 11,624,000 | 15,989,000 | 22,269,000 |
| Income tax | 1,615,000 | 4,290,000 | 5,890,000 | 8,887,000 |
| Net income | 2,800,000 | 7,334,000 | 10,099,000 | 13,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,148,000 | 86,208,000 | 86,597,000 | 89,553,000 |
| Total capital | 94,632,000 | 95,297,000 | 96,088,000 | 99,142,000 |
| Risk-weighted assets | 675,083,000 | 723,450,000 | 756,366,000 | 764,492,000 |