Call reports 2019
BONANZA VALLEY STATE BANK — 2019
What BONANZA VALLEY STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 64,309,000 | 65,823,000 | 65,563,000 | 67,956,000 |
| Total loans | 54,245,000 | 56,402,000 | 55,946,000 | 54,238,000 |
| Allowance for loan losses | 483,000 | 502,000 | 540,000 | 519,000 |
| Securities available for sale | 4,701,000 | 4,530,000 | 4,296,000 | 4,266,000 |
| Securities held to maturity | 17,000 | 17,000 | 17,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,351,000 | 53,324,000 | 54,710,000 | 56,610,000 |
| Interest-bearing deposits | 55,101,000 | 53,037,000 | 53,790,000 | 55,932,000 |
| Noninterest-bearing deposits | 250,000 | 287,000 | 920,000 | 678,000 |
| Equity capital | 5,668,000 | 5,893,000 | 5,738,000 | 6,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,662,000 | 2,543,000 | 3,393,000 |
| Interest expense | 191,000 | 384,000 | 607,000 | 822,000 |
| Net interest income | 625,000 | 1,278,000 | 1,936,000 | 2,571,000 |
| Noninterest income | 20,000 | 47,000 | 79,000 | 125,000 |
| Noninterest expense | 534,000 | 1,018,000 | 1,460,000 | 1,891,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 93,000 | 274,000 | 507,000 | 747,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | 274,000 | 507,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,612,000 | 5,793,000 | 5,607,000 | 6,007,000 |
| Total capital | 6,095,000 | 6,295,000 | 6,147,000 | 6,526,000 |
| Risk-weighted assets | 53,279,000 | 55,210,000 | 54,674,000 | 54,251,000 |