Call reports 2016
COTTONWOOD VALLEY BANK — 2016
What COTTONWOOD 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 | 33,999,000 | 33,460,000 | 32,965,000 | 34,023,000 |
| Total loans | 11,854,000 | 10,569,000 | 9,595,000 | 9,524,000 |
| Allowance for loan losses | 351,000 | 354,000 | 357,000 | 343,000 |
| Securities available for sale | 5,372,000 | 5,655,000 | 5,836,000 | 5,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,522,000 | 28,085,000 | 27,526,000 | 28,764,000 |
| Interest-bearing deposits | 19,712,000 | 19,721,000 | 19,225,000 | 19,932,000 |
| Noninterest-bearing deposits | 8,810,000 | 8,364,000 | 8,301,000 | 8,832,000 |
| Equity capital | 4,892,000 | 4,777,000 | 4,829,000 | 4,644,000 |
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 | 253,000 | 504,000 | 725,000 | 953,000 |
| Interest expense | 20,000 | 40,000 | 61,000 | 84,000 |
| Net interest income | 233,000 | 464,000 | 664,000 | 869,000 |
| Noninterest income | 43,000 | 89,000 | 148,000 | 183,000 |
| Noninterest expense | 202,000 | 388,000 | 584,000 | 823,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 165,000 | 228,000 | 229,000 |
| Income tax | 2,000 | 4,000 | -7,000 | -4,000 |
| Net income | 72,000 | 161,000 | 235,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,738,000 | 4,551,000 | 4,628,000 | 4,626,000 |
| Total capital | 4,936,000 | 4,740,000 | 4,836,000 | 4,801,000 |
| Risk-weighted assets | 15,720,000 | 14,968,000 | 16,497,000 | 13,909,000 |