Call reports 2013
TRI-VALLEY BANK — 2013
What TRI-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 | 98,771,000 | 95,838,000 | 94,507,000 | 98,356,000 |
| Total loans | 63,970,000 | 65,378,000 | 66,644,000 | 71,078,000 |
| Allowance for loan losses | 1,523,000 | 1,002,000 | 1,137,000 | 1,398,000 |
| Securities available for sale | 16,853,000 | 17,073,000 | 15,940,000 | 15,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,218,000 | 84,186,000 | 85,887,000 | 86,685,000 |
| Interest-bearing deposits | 72,781,000 | 65,460,000 | 67,928,000 | 68,225,000 |
| Noninterest-bearing deposits | 16,437,000 | 18,726,000 | 17,959,000 | 18,460,000 |
| Equity capital | 9,415,000 | 8,934,000 | 8,385,000 | 7,989,000 |
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 | 798,000 | 1,582,000 | 2,391,000 | 3,267,000 |
| Interest expense | 79,000 | 148,000 | 212,000 | 277,000 |
| Net interest income | 719,000 | 1,434,000 | 2,179,000 | 2,990,000 |
| Noninterest income | 48,000 | 93,000 | 129,000 | 165,000 |
| Noninterest expense | 1,081,000 | 2,191,000 | 3,177,000 | 4,122,000 |
| Provision for loan losses | 0 | 42,000 | 342,000 | 642,000 |
| Pretax income | -314,000 | -706,000 | -1,211,000 | -1,609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -314,000 | -706,000 | -1,211,000 | -1,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,205,000 | 8,860,000 | 8,401,000 | 8,123,000 |
| Total capital | 10,065,000 | 9,734,000 | 9,271,000 | 9,059,000 |
| Risk-weighted assets | 68,120,000 | 69,631,000 | 69,311,000 | 74,382,000 |