Call reports 2016
GOLDEN VALLEY BANK — 2016
What GOLDEN 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 | 182,075,000 | 185,449,000 | 187,865,000 | 209,648,000 |
| Total loans | 115,189,000 | 116,624,000 | 122,592,000 | 125,653,000 |
| Allowance for loan losses | 1,792,000 | 1,792,000 | 1,797,000 | 1,812,000 |
| Securities available for sale | 34,867,000 | 33,632,000 | 32,816,000 | 38,019,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,691,000 | 155,702,000 | 157,541,000 | 179,364,000 |
| Interest-bearing deposits | 105,596,000 | 109,338,000 | 105,775,000 | 123,561,000 |
| Noninterest-bearing deposits | 47,095,000 | 46,364,000 | 51,766,000 | 55,803,000 |
| Equity capital | 20,817,000 | 21,421,000 | 21,735,000 | 21,170,000 |
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 | 1,712,000 | 3,464,000 | 5,264,000 | 7,134,000 |
| Interest expense | 45,000 | 90,000 | 137,000 | 193,000 |
| Net interest income | 1,667,000 | 3,374,000 | 5,127,000 | 6,941,000 |
| Noninterest income | 102,000 | 218,000 | 373,000 | 527,000 |
| Noninterest expense | 1,218,000 | 2,477,000 | 3,652,000 | 5,304,000 |
| Provision for loan losses | 0 | 2,000 | 7,000 | 22,000 |
| Pretax income | 557,000 | 1,119,000 | 1,847,000 | 2,148,000 |
| Income tax | 191,000 | 295,000 | 544,000 | 626,000 |
| Net income | 366,000 | 824,000 | 1,303,000 | 1,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,464,000 | 20,935,000 | 21,335,000 | 21,479,000 |
| Total capital | 22,030,000 | 22,504,000 | 23,077,000 | 23,268,000 |
| Risk-weighted assets | 125,036,000 | 125,277,000 | 139,297,000 | 143,074,000 |