Call reports 2012
TRI-VALLEY BANK — 2012
What TRI-VALLEY 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 | 72,829,000 | 68,106,000 | 72,458,000 | 77,405,000 |
| Total loans | 32,677,000 | 32,346,000 | 29,645,000 | 32,645,000 |
| Allowance for loan losses | 470,000 | 473,000 | 256,000 | 304,000 |
| Securities available for sale | 36,206,000 | 31,886,000 | 39,928,000 | 41,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,502,000 | 58,041,000 | 61,760,000 | 64,093,000 |
| Interest-bearing deposits | 49,817,000 | 46,969,000 | 49,185,000 | 49,366,000 |
| Noninterest-bearing deposits | 12,685,000 | 11,072,000 | 12,575,000 | 14,727,000 |
| Equity capital | 6,485,000 | 6,765,000 | 6,902,000 | 7,027,000 |
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 | 682,000 | 1,396,000 | 2,126,000 | 2,819,000 |
| Interest expense | 133,000 | 260,000 | 376,000 | 497,000 |
| Net interest income | 549,000 | 1,136,000 | 1,750,000 | 2,322,000 |
| Noninterest income | 12,000 | 34,000 | -350,000 | 15,000 |
| Noninterest expense | 478,000 | 1,051,000 | 1,577,000 | 2,129,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 551,000 |
| Pretax income | 587,000 | 756,000 | 540,000 | 755,000 |
| Income tax | 188,000 | 208,000 | 49,000 | 58,000 |
| Net income | 399,000 | 548,000 | 491,000 | 697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,775,000 | 6,925,000 | 6,868,000 | 7,074,000 |
| Total capital | 7,245,000 | 7,398,000 | 7,124,000 | 7,378,000 |
| Risk-weighted assets | 41,638,000 | 40,431,000 | 37,857,000 | 41,839,000 |