Call reports 2012
BONANZA VALLEY STATE BANK — 2012
What BONANZA VALLEY STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 49,371,000 | 50,429,000 | 52,805,000 | 52,601,000 |
| Total loans | 39,480,000 | 39,779,000 | 43,652,000 | 42,230,000 |
| Allowance for loan losses | 523,000 | 439,000 | 483,000 | 503,000 |
| Securities available for sale | 4,195,000 | 3,949,000 | 4,603,000 | 4,528,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,531,000 | 42,670,000 | 46,178,000 | 46,520,000 |
| Interest-bearing deposits | 41,436,000 | 42,518,000 | 45,765,000 | 46,426,000 |
| Noninterest-bearing deposits | 95,000 | 152,000 | 413,000 | 94,000 |
| Equity capital | 4,221,000 | 4,135,000 | 4,394,000 | 4,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 616,000 | 1,206,000 | 1,822,000 | 2,430,000 |
| Interest expense | 180,000 | 363,000 | 526,000 | 684,000 |
| Net interest income | 436,000 | 843,000 | 1,296,000 | 1,746,000 |
| Noninterest income | 25,000 | 56,000 | 85,000 | 118,000 |
| Noninterest expense | 364,000 | 680,000 | 1,065,000 | 1,401,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 70,000 |
| Pretax income | 97,000 | 199,000 | 266,000 | 393,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 97,000 | 199,000 | 266,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,112,000 | 4,033,000 | 4,266,000 | 4,393,000 |
| Total capital | 4,635,000 | 4,472,000 | 4,749,000 | 4,896,000 |
| Risk-weighted assets | 44,179,000 | 44,628,000 | 43,835,000 | 42,813,000 |