Call reports 2015
TRI-VALLEY BANK — 2015
What TRI-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 | 103,119,000 | 102,825,000 | 103,048,000 | 112,956,000 |
| Total loans | 83,345,000 | 82,765,000 | 82,860,000 | 94,235,000 |
| Allowance for loan losses | 1,456,000 | 1,462,000 | 1,471,000 | 1,478,000 |
| Securities available for sale | 8,036,000 | 7,787,000 | 7,392,000 | 7,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,597,000 | 92,205,000 | 91,047,000 | 100,176,000 |
| Interest-bearing deposits | 63,184,000 | 67,440,000 | 65,218,000 | 73,025,000 |
| Noninterest-bearing deposits | 23,413,000 | 24,766,000 | 25,829,000 | 27,151,000 |
| Equity capital | 9,403,000 | 10,469,000 | 11,861,000 | 12,640,000 |
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 | 914,000 | 1,900,000 | 2,866,000 | 3,864,000 |
| Interest expense | 62,000 | 127,000 | 195,000 | 263,000 |
| Net interest income | 852,000 | 1,773,000 | 2,671,000 | 3,601,000 |
| Noninterest income | 38,000 | 77,000 | 114,000 | 151,000 |
| Noninterest expense | 924,000 | 1,844,000 | 2,775,000 | 3,692,000 |
| Provision for loan losses | 19,000 | 19,000 | 19,000 | 19,000 |
| Pretax income | -53,000 | -13,000 | -9,000 | 41,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -53,000 | -13,000 | -9,000 | 41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,490,000 | 10,560,000 | 11,939,000 | 12,738,000 |
| Total capital | 10,504,000 | 11,575,000 | 12,945,000 | 13,884,000 |
| Risk-weighted assets | 80,638,000 | 80,757,000 | 80,001,000 | 91,347,000 |