Call reports 2018
CACHE VALLEY BANK — 2018
What CACHE VALLEY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,163,475,000 | 1,169,884,000 | 1,238,465,000 | 1,260,694,000 |
| Total loans | 914,198,000 | 958,743,000 | 972,882,000 | 973,023,000 |
| Allowance for loan losses | 12,260,000 | 13,924,000 | 14,913,000 | 15,682,000 |
| Securities available for sale | 15,536,000 | 13,673,000 | 16,853,000 | 19,397,000 |
| Securities held to maturity | 49,000 | 2,563,000 | 2,563,000 | 2,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,029,994,000 | 1,032,992,000 | 1,093,913,000 | 1,111,762,000 |
| Interest-bearing deposits | 651,810,000 | 634,774,000 | 708,868,000 | 726,344,000 |
| Noninterest-bearing deposits | 378,184,000 | 398,218,000 | 385,045,000 | 385,418,000 |
| Equity capital | 124,740,000 | 130,503,000 | 137,672,000 | 141,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 15,897,000 | 32,470,000 | 50,863,000 | 67,808,000 |
| Interest expense | 1,300,000 | 2,722,000 | 4,382,000 | 6,413,000 |
| Net interest income | 14,597,000 | 29,748,000 | 46,481,000 | 61,395,000 |
| Noninterest income | 1,482,000 | 3,179,000 | 5,472,000 | 6,747,000 |
| Noninterest expense | 7,120,000 | 14,600,000 | 22,474,000 | 29,815,000 |
| Provision for loan losses | 719,000 | 1,439,000 | 2,158,000 | 2,877,000 |
| Pretax income | 8,240,000 | 16,888,000 | 27,321,000 | 35,450,000 |
| Income tax | 2,065,000 | 4,210,000 | 6,840,000 | 8,696,000 |
| Net income | 6,175,000 | 12,678,000 | 20,481,000 | 26,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,157,000 | 129,967,000 | 137,191,000 | 140,788,000 |
| Total capital | 136,505,000 | 142,862,000 | 150,344,000 | 154,009,000 |
| Risk-weighted assets | 987,683,000 | 1,030,336,000 | 1,050,248,000 | 1,054,930,000 |