Call reports 2014
TRI-VALLEY BANK — 2014
What TRI-VALLEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,026,000 | 78,432,000 | 72,682,000 | 67,437,000 |
| Total loans | 27,297,000 | 27,132,000 | 28,214,000 | 28,544,000 |
| Allowance for loan losses | 363,000 | 356,000 | 303,000 | 311,000 |
| Securities available for sale | 45,476,000 | 44,702,000 | 38,992,000 | 34,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,708,000 | 69,507,000 | 63,620,000 | 58,214,000 |
| Interest-bearing deposits | 58,135,000 | 58,750,000 | 51,354,000 | 44,143,000 |
| Noninterest-bearing deposits | 12,573,000 | 10,757,000 | 12,266,000 | 14,071,000 |
| Equity capital | 6,128,000 | 6,715,000 | 6,849,000 | 7,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 713,000 | 1,404,000 | 2,024,000 | 2,612,000 |
| Interest expense | 107,000 | 212,000 | 337,000 | 406,000 |
| Net interest income | 606,000 | 1,192,000 | 1,687,000 | 2,206,000 |
| Noninterest income | 18,000 | 38,000 | 64,000 | 89,000 |
| Noninterest expense | 516,000 | 1,054,000 | 1,614,000 | 2,074,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 44,000 | -37,000 | -183,000 | -92,000 |
| Income tax | -54,000 | -137,000 | -237,000 | -239,000 |
| Net income | 98,000 | 100,000 | 54,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,546,000 | 7,549,000 | 7,502,000 | 7,596,000 |
| Total capital | 7,909,000 | 7,905,000 | 7,805,000 | 7,907,000 |
| Risk-weighted assets | 43,228,000 | 40,367,000 | 39,866,000 | 37,389,000 |
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