Call reports 2019
CACHE VALLEY BANK — 2019
What CACHE VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,305,648,000 | 1,327,655,000 | 1,440,469,000 | 1,407,956,000 |
| Total loans | 987,424,000 | 1,008,699,000 | 1,056,896,000 | 1,093,584,000 |
| Allowance for loan losses | 15,654,000 | 16,353,000 | 14,236,000 | 16,447,000 |
| Securities available for sale | 18,441,000 | 17,054,000 | 15,227,000 | 15,061,000 |
| Securities held to maturity | 2,560,000 | 6,922,000 | 11,278,000 | 12,434,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,150,405,000 | 1,169,308,000 | 1,275,063,000 | 1,243,878,000 |
| Interest-bearing deposits | 777,312,000 | 781,542,000 | 840,926,000 | 841,867,000 |
| Noninterest-bearing deposits | 373,093,000 | 387,766,000 | 434,137,000 | 402,011,000 |
| Equity capital | 146,704,000 | 151,242,000 | 157,421,000 | 160,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 17,433,000 | 36,604,000 | 55,642,000 | 74,769,000 |
| Interest expense | 2,217,000 | 4,623,000 | 7,238,000 | 9,916,000 |
| Net interest income | 15,216,000 | 31,981,000 | 48,404,000 | 64,853,000 |
| Noninterest income | 1,198,000 | 2,655,000 | 4,292,000 | 5,931,000 |
| Noninterest expense | 7,652,000 | 15,781,000 | 24,107,000 | 33,002,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 2,900,000 |
| Pretax income | 8,462,000 | 18,276,000 | 27,710,000 | 34,903,000 |
| Income tax | 2,112,000 | 4,572,000 | 6,950,000 | 8,752,000 |
| Net income | 6,350,000 | 13,704,000 | 20,760,000 | 26,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,175,000 | 150,700,000 | 156,912,000 | 159,619,000 |
| Total capital | 159,205,000 | 164,390,000 | 171,415,000 | 174,769,000 |
| Risk-weighted assets | 1,039,470,000 | 1,092,288,000 | 1,171,492,000 | 1,210,398,000 |