Call reports 2016
COMMUNITY VALLEY BANK — 2016
What COMMUNITY VALLEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,124,000 | 150,374,000 | 147,935,000 | 152,420,000 |
| Total loans | 108,166,000 | 109,430,000 | 109,359,000 | 118,698,000 |
| Allowance for loan losses | 1,386,000 | 1,395,000 | 1,395,000 | 1,485,000 |
| Securities available for sale | 1,069,000 | 1,020,000 | 955,000 | 882,000 |
| Securities held to maturity | 1,514,000 | 1,509,000 | 1,504,000 | 1,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,213,000 | 127,214,000 | 129,000,000 | 131,143,000 |
| Interest-bearing deposits | 93,287,000 | 101,547,000 | 103,240,000 | 99,352,000 |
| Noninterest-bearing deposits | 24,926,000 | 25,667,000 | 25,760,000 | 31,791,000 |
| Equity capital | 15,964,000 | 16,327,000 | 16,719,000 | 17,249,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,673,000 | 3,490,000 | 5,267,000 | 7,078,000 |
| Interest expense | 195,000 | 407,000 | 633,000 | 845,000 |
| Net interest income | 1,478,000 | 3,083,000 | 4,634,000 | 6,233,000 |
| Noninterest income | 136,000 | 283,000 | 442,000 | 1,049,000 |
| Noninterest expense | 1,081,000 | 2,279,000 | 3,356,000 | 4,559,000 |
| Provision for loan losses | 0 | 0 | 0 | 90,000 |
| Pretax income | 533,000 | 1,087,000 | 1,720,000 | 2,633,000 |
| Income tax | 215,000 | 434,000 | 698,000 | 1,067,000 |
| Net income | 318,000 | 653,000 | 1,022,000 | 1,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,579,000 | 16,163,000 | 16,634,000 | 17,149,000 |
| Total capital | 17,003,000 | 17,619,000 | 17,885,000 | 18,512,000 |
| Risk-weighted assets | 113,782,000 | 116,390,000 | 99,927,000 | 108,887,000 |