Call reports 2016
CACHE VALLEY BANK — 2016
What CACHE VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 937,224,000 | 943,151,000 | 973,032,000 | 1,000,553,000 |
| Total loans | 705,948,000 | 721,739,000 | 748,578,000 | 751,662,000 |
| Allowance for loan losses | 12,455,000 | 12,478,000 | 12,591,000 | 12,719,000 |
| Securities available for sale | 13,421,000 | 14,678,000 | 13,953,000 | 14,257,000 |
| Securities held to maturity | 51,000 | 52,000 | 52,000 | 53,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 834,694,000 | 839,563,000 | 863,918,000 | 889,290,000 |
| Interest-bearing deposits | 558,513,000 | 554,488,000 | 572,831,000 | 591,328,000 |
| Noninterest-bearing deposits | 276,181,000 | 285,075,000 | 291,087,000 | 297,962,000 |
| Equity capital | 93,183,000 | 96,450,000 | 101,469,000 | 102,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 10,321,000 | 21,242,000 | 32,342,000 | 43,536,000 |
| Interest expense | 998,000 | 1,994,000 | 2,972,000 | 4,029,000 |
| Net interest income | 9,323,000 | 19,248,000 | 29,370,000 | 39,507,000 |
| Noninterest income | 2,106,000 | 4,752,000 | 6,730,000 | 9,702,000 |
| Noninterest expense | 6,248,000 | 12,614,000 | 19,066,000 | 26,350,000 |
| Provision for loan losses | 188,000 | 375,000 | 563,000 | 750,000 |
| Pretax income | 4,993,000 | 11,011,000 | 16,471,000 | 22,109,000 |
| Income tax | 1,939,000 | 3,783,000 | 5,849,000 | 8,443,000 |
| Net income | 3,054,000 | 7,228,000 | 10,622,000 | 13,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,946,000 | 95,250,000 | 100,338,000 | 101,907,000 |
| Total capital | 101,781,000 | 105,204,000 | 110,605,000 | 112,495,000 |
| Risk-weighted assets | 784,005,000 | 793,628,000 | 818,867,000 | 844,696,000 |