Call reports 2013
TRI-VALLEY BANK — 2013
What TRI-VALLEY 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 | 76,508,000 | 75,845,000 | 79,924,000 | 79,341,000 |
| Total loans | 30,431,000 | 30,421,000 | 30,006,000 | 30,758,000 |
| Allowance for loan losses | 342,000 | 350,000 | 328,000 | 354,000 |
| Securities available for sale | 41,057,000 | 41,329,000 | 45,583,000 | 43,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,718,000 | 64,702,000 | 68,725,000 | 68,910,000 |
| Interest-bearing deposits | 53,052,000 | 51,360,000 | 55,695,000 | 55,386,000 |
| Noninterest-bearing deposits | 13,666,000 | 13,342,000 | 13,030,000 | 13,524,000 |
| Equity capital | 6,852,000 | 5,723,000 | 5,615,000 | 5,383,000 |
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 | 698,000 | 1,410,000 | 2,109,000 | 2,817,000 |
| Interest expense | 125,000 | 237,000 | 363,000 | 487,000 |
| Net interest income | 573,000 | 1,173,000 | 1,746,000 | 2,330,000 |
| Noninterest income | 11,000 | 23,000 | 35,000 | 50,000 |
| Noninterest expense | 509,000 | 1,038,000 | 1,535,000 | 2,056,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 296,000 | 362,000 | 450,000 | 225,000 |
| Income tax | 47,000 | 16,000 | -22,000 | -150,000 |
| Net income | 249,000 | 346,000 | 472,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,323,000 | 7,354,000 | 7,282,000 | 6,705,000 |
| Total capital | 7,665,000 | 7,704,000 | 7,610,000 | 7,059,000 |
| Risk-weighted assets | 42,336,000 | 45,866,000 | 45,465,000 | 47,603,000 |