Call reports 2012
TRI-VALLEY BANK — 2012
What TRI-VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 81,770,000 | 103,486,000 | 93,709,000 | 97,007,000 |
| Total loans | 56,848,000 | 63,336,000 | 62,936,000 | 64,479,000 |
| Allowance for loan losses | 1,671,000 | 1,683,000 | 1,521,000 | 1,516,000 |
| Securities available for sale | 12,799,000 | 11,790,000 | 18,768,000 | 17,825,000 |
| Securities held to maturity | 82,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,205,000 | 91,935,000 | 81,181,000 | 87,117,000 |
| Interest-bearing deposits | 55,169,000 | 76,690,000 | 62,855,000 | 67,127,000 |
| Noninterest-bearing deposits | 15,036,000 | 15,245,000 | 18,326,000 | 19,990,000 |
| Equity capital | 7,377,000 | 8,938,000 | 9,852,000 | 9,732,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 729,000 | 1,523,000 | 2,343,000 | 3,174,000 |
| Interest expense | 101,000 | 199,000 | 316,000 | 404,000 |
| Net interest income | 628,000 | 1,324,000 | 2,027,000 | 2,770,000 |
| Noninterest income | 41,000 | 94,000 | -224,000 | -177,000 |
| Noninterest expense | 1,072,000 | 2,099,000 | 3,132,000 | 4,115,000 |
| Provision for loan losses | 0 | 0 | -150,000 | -150,000 |
| Pretax income | -403,000 | -681,000 | -1,179,000 | -1,372,000 |
| Income tax | 1,000 | 1,000 | 0 | 1,000 |
| Net income | -404,000 | -682,000 | -1,179,000 | -1,373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,284,000 | 8,746,000 | 9,646,000 | 9,487,000 |
| Total capital | 8,053,000 | 9,599,000 | 10,492,000 | 10,350,000 |
| Risk-weighted assets | 60,581,000 | 67,746,000 | 67,001,000 | 68,383,000 |