Call reports 2015
TWIN VALLEY BANK, THE — 2015
What TWIN VALLEY BANK, THE 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 | 50,928,000 | 52,085,000 | 54,646,000 | 56,039,000 |
| Total loans | 34,654,000 | 35,628,000 | 38,965,000 | 39,970,000 |
| Allowance for loan losses | 223,000 | 236,000 | 251,000 | 252,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,059,000 | 8,546,000 | 8,530,000 | 8,949,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,777,000 | 43,750,000 | 46,195,000 | 47,613,000 |
| Interest-bearing deposits | 36,974,000 | 37,437,000 | 39,058,000 | 40,038,000 |
| Noninterest-bearing deposits | 5,803,000 | 6,313,000 | 7,137,000 | 7,575,000 |
| Equity capital | 6,522,000 | 6,641,000 | 6,735,000 | 6,691,000 |
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 | 509,000 | 1,098,000 | 1,661,000 | 2,238,000 |
| Interest expense | 49,000 | 95,000 | 138,000 | 187,000 |
| Net interest income | 460,000 | 1,003,000 | 1,523,000 | 2,051,000 |
| Noninterest income | 74,000 | 166,000 | 259,000 | 342,000 |
| Noninterest expense | 470,000 | 951,000 | 1,434,000 | 1,973,000 |
| Provision for loan losses | 15,000 | -70,000 | -55,000 | -40,000 |
| Pretax income | 49,000 | 288,000 | 403,000 | 460,000 |
| Income tax | -1,000 | 62,000 | 83,000 | 74,000 |
| Net income | 50,000 | 226,000 | 320,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,554,000 | 6,673,000 | 6,767,000 | 6,723,000 |
| Total capital | 6,777,000 | 6,909,000 | 7,018,000 | 6,975,000 |
| Risk-weighted assets | 36,527,000 | 37,550,000 | 40,992,000 | 41,253,000 |