Call reports 2015
BONANZA VALLEY STATE BANK — 2015
What BONANZA VALLEY STATE 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 | 58,027,000 | 60,286,000 | 61,258,000 | 60,609,000 |
| Total loans | 45,272,000 | 49,329,000 | 49,849,000 | 48,290,000 |
| Allowance for loan losses | 527,000 | 446,000 | 525,000 | 408,000 |
| Securities available for sale | 8,239,000 | 7,648,000 | 7,731,000 | 7,819,000 |
| Securities held to maturity | 33,000 | 33,000 | 33,000 | 33,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,476,000 | 48,857,000 | 49,511,000 | 49,623,000 |
| Interest-bearing deposits | 50,307,000 | 48,755,000 | 49,400,000 | 49,409,000 |
| Noninterest-bearing deposits | 169,000 | 102,000 | 111,000 | 214,000 |
| Equity capital | 5,216,000 | 4,793,000 | 5,136,000 | 5,505,000 |
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 | 650,000 | 1,220,000 | 1,952,000 | 2,639,000 |
| Interest expense | 131,000 | 266,000 | 400,000 | 526,000 |
| Net interest income | 519,000 | 954,000 | 1,552,000 | 2,113,000 |
| Noninterest income | 24,000 | 51,000 | 85,000 | 167,000 |
| Noninterest expense | 421,000 | 807,000 | 1,217,000 | 1,615,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 45,000 |
| Pretax income | 149,000 | 306,000 | 517,000 | 762,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 149,000 | 306,000 | 517,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,080,000 | 4,906,000 | 5,117,000 | 5,362,000 |
| Total capital | 5,596,000 | 5,352,000 | 5,642,000 | 5,770,000 |
| Risk-weighted assets | 41,295,000 | 47,421,000 | 48,304,000 | 47,016,000 |