Call reports 2012
SAN LUIS VALLEY FEDERAL BANK — 2012
What SAN LUIS VALLEY FEDERAL 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 | 246,861,000 | 244,858,000 | 253,672,000 | 254,129,000 |
| Total loans | 151,474,000 | 150,330,000 | 149,895,000 | 150,760,000 |
| Allowance for loan losses | 1,888,000 | 1,873,000 | 1,995,000 | 2,027,000 |
| Securities available for sale | 54,505,000 | 62,376,000 | 69,540,000 | 64,413,000 |
| Securities held to maturity | 1,487,000 | 1,487,000 | 1,487,000 | 843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,159,000 | 206,182,000 | 214,116,000 | 214,971,000 |
| Interest-bearing deposits | 191,628,000 | 190,061,000 | 194,337,000 | 192,728,000 |
| Noninterest-bearing deposits | 16,531,000 | 16,121,000 | 19,779,000 | 22,243,000 |
| Equity capital | 33,927,000 | 34,375,000 | 35,157,000 | 35,431,000 |
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 | 2,608,000 | 5,201,000 | 7,761,000 | 10,283,000 |
| Interest expense | 354,000 | 655,000 | 932,000 | 1,192,000 |
| Net interest income | 2,254,000 | 4,546,000 | 6,829,000 | 9,091,000 |
| Noninterest income | 444,000 | 970,000 | 1,451,000 | 1,892,000 |
| Noninterest expense | 1,824,000 | 3,629,000 | 5,418,000 | 7,169,000 |
| Provision for loan losses | 70,000 | 636,000 | 861,000 | 1,086,000 |
| Pretax income | 804,000 | 1,251,000 | 2,001,000 | 2,728,000 |
| Income tax | 265,000 | 398,000 | 642,000 | 881,000 |
| Net income | 539,000 | 853,000 | 1,359,000 | 1,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,385,000 | 33,699,000 | 34,204,000 | 34,692,000 |
| Total capital | 35,194,000 | 35,518,000 | 36,030,000 | 36,490,000 |
| Risk-weighted assets | 143,286,000 | 144,087,000 | 144,399,000 | 142,875,000 |