Call reports 2015
TRI-VALLEY BANK — 2015
What TRI-VALLEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 66,453,000 | 64,369,000 | 63,961,000 | 62,597,000 |
| Total loans | 28,016,000 | 28,183,000 | 29,248,000 | 31,491,000 |
| Allowance for loan losses | 307,000 | 311,000 | 314,000 | 319,000 |
| Securities available for sale | 33,123,000 | 32,530,000 | 31,199,000 | 25,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,097,000 | 54,447,000 | 55,156,000 | 54,645,000 |
| Interest-bearing deposits | 44,642,000 | 42,710,000 | 43,086,000 | 40,332,000 |
| Noninterest-bearing deposits | 12,455,000 | 11,737,000 | 12,070,000 | 14,313,000 |
| Equity capital | 7,211,000 | 7,112,000 | 7,055,000 | 7,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 557,000 | 1,051,000 | 1,527,000 | 2,041,000 |
| Interest expense | 39,000 | 74,000 | 108,000 | 138,000 |
| Net interest income | 518,000 | 977,000 | 1,419,000 | 1,903,000 |
| Noninterest income | 54,000 | 77,000 | 102,000 | 122,000 |
| Noninterest expense | 498,000 | 947,000 | 1,448,000 | 1,908,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | 65,000 | 31,000 | 87,000 |
| Income tax | -5,000 | -15,000 | -38,000 | -43,000 |
| Net income | 37,000 | 80,000 | 69,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,633,000 | 7,676,000 | 7,664,000 | 6,946,000 |
| Total capital | 7,940,000 | 7,987,000 | 7,978,000 | 7,265,000 |
| Risk-weighted assets | 36,328,000 | 33,323,000 | 36,257,000 | 36,335,000 |