Call reports 2016
BONANZA VALLEY STATE BANK — 2016
What BONANZA VALLEY STATE 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 | 59,309,000 | 63,033,000 | 60,178,000 | 62,210,000 |
| Total loans | 48,337,000 | 49,060,000 | 49,468,000 | 49,214,000 |
| Allowance for loan losses | 427,000 | 419,000 | 404,000 | 440,000 |
| Securities available for sale | 7,810,000 | 7,936,000 | 7,252,000 | 6,911,000 |
| Securities held to maturity | 29,000 | 29,000 | 29,000 | 29,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,572,000 | 54,991,000 | 50,979,000 | 53,523,000 |
| Interest-bearing deposits | 51,299,000 | 54,787,000 | 50,693,000 | 53,313,000 |
| Noninterest-bearing deposits | 273,000 | 203,000 | 286,000 | 210,000 |
| Equity capital | 5,451,000 | 5,732,000 | 5,786,000 | 5,675,000 |
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 | 694,000 | 1,398,000 | 2,064,000 | 2,775,000 |
| Interest expense | 127,000 | 267,000 | 399,000 | 526,000 |
| Net interest income | 567,000 | 1,131,000 | 1,665,000 | 2,249,000 |
| Noninterest income | 25,000 | 53,000 | 82,000 | 114,000 |
| Noninterest expense | 361,000 | 755,000 | 1,140,000 | 1,529,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 80,000 |
| Pretax income | 216,000 | 399,000 | 557,000 | 754,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 216,000 | 399,000 | 557,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,281,000 | 5,400,000 | 5,557,000 | 5,754,000 |
| Total capital | 5,708,000 | 5,819,000 | 5,961,000 | 6,194,000 |
| Risk-weighted assets | 47,525,000 | 48,237,000 | 48,847,000 | 49,263,000 |