Call reports 2013
COMMUNITY VALLEY BANK — 2013
What COMMUNITY 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 | 107,315,000 | 104,449,000 | 112,298,000 | 117,603,000 |
| Total loans | 73,491,000 | 71,255,000 | 74,023,000 | 74,920,000 |
| Allowance for loan losses | 1,458,000 | 1,568,000 | 1,696,000 | 1,212,000 |
| Securities available for sale | 384,000 | 280,000 | 1,264,000 | 960,000 |
| Securities held to maturity | 507,000 | 507,000 | 507,000 | 506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,938,000 | 85,855,000 | 93,378,000 | 98,164,000 |
| Interest-bearing deposits | 64,574,000 | 65,025,000 | 70,606,000 | 67,939,000 |
| Noninterest-bearing deposits | 24,364,000 | 20,830,000 | 22,772,000 | 30,225,000 |
| Equity capital | 11,356,000 | 11,591,000 | 11,731,000 | 12,290,000 |
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 | 1,341,000 | 2,627,000 | 3,977,000 | 5,420,000 |
| Interest expense | 171,000 | 346,000 | 534,000 | 712,000 |
| Net interest income | 1,170,000 | 2,281,000 | 3,443,000 | 4,708,000 |
| Noninterest income | 340,000 | 741,000 | 938,000 | 910,000 |
| Noninterest expense | 1,106,000 | 2,049,000 | 3,066,000 | 4,163,000 |
| Provision for loan losses | 200,000 | 525,000 | 615,000 | 615,000 |
| Pretax income | 204,000 | 448,000 | 700,000 | 840,000 |
| Income tax | 0 | 0 | 0 | -400,000 |
| Net income | 204,000 | 448,000 | 700,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,300,000 | 11,539,000 | 11,798,000 | 12,368,000 |
| Total capital | 12,312,000 | 12,521,000 | 12,857,000 | 13,424,000 |
| Risk-weighted assets | 80,481,000 | 77,976,000 | 84,066,000 | 84,338,000 |