Call reports 2022
CACHE VALLEY BANK — 2022
What CACHE VALLEY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 3,078,774,000 | 2,909,708,000 | 2,977,599,000 | 2,931,809,000 |
| Total loans | 1,778,234,000 | 1,808,418,000 | 1,809,419,000 | 1,943,463,000 |
| Allowance for loan losses | 21,425,000 | 22,342,000 | 23,556,000 | 24,331,000 |
| Securities available for sale | 6,371,000 | 10,233,000 | 11,586,000 | 792,357,000 |
| Securities held to maturity | 717,580,000 | 815,336,000 | 819,045,000 | 26,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,658,661,000 | 2,575,163,000 | 2,665,759,000 | 2,515,099,000 |
| Interest-bearing deposits | 1,783,376,000 | 1,698,264,000 | 1,756,940,000 | 1,643,606,000 |
| Noninterest-bearing deposits | 875,285,000 | 876,899,000 | 908,819,000 | 871,493,000 |
| Equity capital | 236,053,000 | 249,063,000 | 262,185,000 | 266,933,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 27,752,000 | 59,440,000 | 92,700,000 | 129,535,000 |
| Interest expense | 2,070,000 | 4,344,000 | 7,239,000 | 11,574,000 |
| Net interest income | 25,682,000 | 55,096,000 | 85,461,000 | 117,961,000 |
| Noninterest income | 2,450,000 | 4,659,000 | 6,200,000 | 8,311,000 |
| Noninterest expense | 11,463,000 | 23,274,000 | 34,107,000 | 46,874,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 2,700,000 | 3,600,000 |
| Pretax income | 16,144,000 | 35,056,000 | 55,229,000 | 76,173,000 |
| Income tax | 4,045,000 | 8,750,000 | 13,715,000 | 18,313,000 |
| Net income | 12,099,000 | 26,306,000 | 41,514,000 | 57,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 235,937,000 | 249,060,000 | 262,292,000 | 277,392,000 |
| Total capital | 257,629,000 | 271,669,000 | 286,115,000 | 302,118,000 |
| Risk-weighted assets | 1,788,890,000 | 2,000,808,000 | 1,984,711,000 | 2,188,949,000 |