Call reports 2020
COTTONWOOD VALLEY BANK — 2020
What COTTONWOOD VALLEY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 34,840,000 | 37,581,000 | 38,372,000 | 38,362,000 |
| Total loans | 9,997,000 | 11,983,000 | 12,123,000 | 11,744,000 |
| Allowance for loan losses | 391,000 | 393,000 | 395,000 | 398,000 |
| Securities available for sale | 10,045,000 | 10,617,000 | 10,406,000 | 11,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,205,000 | 31,542,000 | 32,252,000 | 32,393,000 |
| Interest-bearing deposits | 20,497,000 | 21,340,000 | 21,264,000 | 21,693,000 |
| Noninterest-bearing deposits | 8,708,000 | 10,202,000 | 10,988,000 | 10,700,000 |
| Equity capital | 4,860,000 | 5,252,000 | 5,323,000 | 5,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 237,000 | 499,000 | 734,000 | 970,000 |
| Interest expense | 38,000 | 65,000 | 90,000 | 115,000 |
| Net interest income | 199,000 | 434,000 | 644,000 | 855,000 |
| Noninterest income | 37,000 | 83,000 | 102,000 | 126,000 |
| Noninterest expense | 227,000 | 400,000 | 576,000 | 985,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 53,000 | 171,000 | 285,000 | 134,000 |
| Income tax | 2,000 | 1,000 | 3,000 | 6,000 |
| Net income | 51,000 | 170,000 | 282,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,684,000 | 4,801,000 | 4,913,000 | 4,760,000 |
| Total capital | 4,924,000 | — | — | — |
| Risk-weighted assets | 19,093,000 | — | — | — |