Call reports 2015
COTTONWOOD VALLEY BANK — 2015
What COTTONWOOD VALLEY BANK 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 | 35,442,000 | 35,376,000 | 34,267,000 | 34,168,000 |
| Total loans | 12,874,000 | 12,659,000 | 11,334,000 | 11,529,000 |
| Allowance for loan losses | 388,000 | 390,000 | 392,000 | 349,000 |
| Securities available for sale | 5,432,000 | 5,710,000 | 5,845,000 | 5,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,092,000 | 30,042,000 | 28,782,000 | 28,859,000 |
| Interest-bearing deposits | 20,280,000 | 20,076,000 | 19,735,000 | 19,709,000 |
| Noninterest-bearing deposits | 9,812,000 | 9,966,000 | 9,047,000 | 9,150,000 |
| Equity capital | 4,815,000 | 4,788,000 | 4,926,000 | 4,741,000 |
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 | 246,000 | 525,000 | 778,000 | 1,028,000 |
| Interest expense | 18,000 | 34,000 | 51,000 | 68,000 |
| Net interest income | 228,000 | 491,000 | 727,000 | 960,000 |
| Noninterest income | 39,000 | 72,000 | 114,000 | 161,000 |
| Noninterest expense | 193,000 | 429,000 | 602,000 | 1,047,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 134,000 | 239,000 | 74,000 |
| Income tax | 1,000 | 26,000 | 28,000 | 30,000 |
| Net income | 73,000 | 108,000 | 211,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,698,000 | 4,719,000 | 4,839,000 | 4,670,000 |
| Total capital | 4,947,000 | 4,932,000 | 5,031,000 | 4,870,000 |
| Risk-weighted assets | 19,840,000 | 16,894,000 | 15,217,000 | 15,852,000 |