Call reports 2013
BONANZA VALLEY STATE BANK — 2013
What BONANZA VALLEY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 50,111,000 | 51,899,000 | 53,794,000 | 56,189,000 |
| Total loans | 40,411,000 | 43,179,000 | 44,018,000 | 44,315,000 |
| Allowance for loan losses | 518,000 | 380,000 | 385,000 | 385,000 |
| Securities available for sale | 4,229,000 | 3,791,000 | 4,972,000 | 6,532,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,116,000 | 43,278,000 | 44,989,000 | 48,196,000 |
| Interest-bearing deposits | 43,919,000 | 43,084,000 | 44,872,000 | 47,973,000 |
| Noninterest-bearing deposits | 197,000 | 194,000 | 116,000 | 223,000 |
| Equity capital | 4,399,000 | 4,138,000 | 4,485,000 | 4,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,127,000 | 1,777,000 | 2,391,000 |
| Interest expense | 150,000 | 294,000 | 440,000 | 578,000 |
| Net interest income | 412,000 | 833,000 | 1,337,000 | 1,813,000 |
| Noninterest income | 25,000 | 51,000 | 82,000 | 116,000 |
| Noninterest expense | 346,000 | 697,000 | 1,071,000 | 1,447,000 |
| Provision for loan losses | 15,000 | 27,000 | 42,000 | 55,000 |
| Pretax income | 76,000 | 160,000 | 306,000 | 427,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 160,000 | 306,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,300,000 | 4,160,000 | 4,506,000 | 4,627,000 |
| Total capital | 4,818,000 | 4,540,000 | 4,891,000 | 5,012,000 |
| Risk-weighted assets | 40,979,000 | 42,837,000 | 44,839,000 | 40,353,000 |