Call reports 2015
COMMUNITY VALLEY BANK — 2015
What COMMUNITY 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 | 128,828,000 | 131,630,000 | 135,270,000 | 135,670,000 |
| Total loans | 87,118,000 | 90,688,000 | 97,354,000 | 104,314,000 |
| Allowance for loan losses | 1,389,000 | 1,389,000 | 1,342,000 | 1,386,000 |
| Securities available for sale | 757,000 | 391,000 | 1,188,000 | 1,116,000 |
| Securities held to maturity | 505,000 | 634,000 | 1,523,000 | 1,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,149,000 | 110,618,000 | 116,200,000 | 119,270,000 |
| Interest-bearing deposits | 85,284,000 | 90,313,000 | 94,557,000 | 89,449,000 |
| Noninterest-bearing deposits | 20,865,000 | 20,305,000 | 21,643,000 | 29,821,000 |
| Equity capital | 14,333,000 | 17,045,000 | 15,351,000 | 15,671,000 |
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 | 1,487,000 | 2,991,000 | 4,521,000 | 6,160,000 |
| Interest expense | 184,000 | 392,000 | 607,000 | 802,000 |
| Net interest income | 1,303,000 | 2,599,000 | 3,914,000 | 5,358,000 |
| Noninterest income | 315,000 | 526,000 | 552,000 | 671,000 |
| Noninterest expense | 1,134,000 | 2,226,000 | 3,290,000 | 4,380,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 484,000 | 899,000 | 1,176,000 | 1,649,000 |
| Income tax | 0 | 200,000 | 368,000 | 514,000 |
| Net income | 484,000 | 699,000 | 808,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,535,000 | 15,097,000 | 14,550,000 | 15,107,000 |
| Total capital | 14,688,000 | 16,319,000 | 15,842,000 | 16,474,000 |
| Risk-weighted assets | 92,001,000 | 96,399,000 | 102,775,000 | 109,007,000 |