Call reports 2013
SAN LUIS VALLEY FEDERAL BANK — 2013
What SAN LUIS VALLEY FEDERAL 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 | 253,927,000 | 249,556,000 | 250,665,000 | 251,163,000 |
| Total loans | 153,386,000 | 156,481,000 | 158,239,000 | 159,949,000 |
| Allowance for loan losses | 2,083,000 | 2,148,000 | 2,143,000 | 1,867,000 |
| Securities available for sale | 70,476,000 | 64,477,000 | 59,889,000 | 56,933,000 |
| Securities held to maturity | 843,000 | 843,000 | 843,000 | 843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,988,000 | 211,099,000 | 211,621,000 | 211,973,000 |
| Interest-bearing deposits | 195,238,000 | 193,758,000 | 192,930,000 | 191,654,000 |
| Noninterest-bearing deposits | 19,750,000 | 17,341,000 | 18,691,000 | 20,319,000 |
| Equity capital | 35,638,000 | 35,413,000 | 35,801,000 | 36,331,000 |
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 | 2,347,000 | 4,628,000 | 6,891,000 | 9,210,000 |
| Interest expense | 238,000 | 462,000 | 673,000 | 873,000 |
| Net interest income | 2,109,000 | 4,166,000 | 6,218,000 | 8,337,000 |
| Noninterest income | 447,000 | 932,000 | 1,343,000 | 1,828,000 |
| Noninterest expense | 1,813,000 | 3,631,000 | 5,449,000 | 7,368,000 |
| Provision for loan losses | 115,000 | 175,000 | 195,000 | -55,000 |
| Pretax income | 628,000 | 1,292,000 | 1,917,000 | 2,852,000 |
| Income tax | 206,000 | 421,000 | 621,000 | 926,000 |
| Net income | 422,000 | 871,000 | 1,296,000 | 1,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,142,000 | 35,580,000 | 36,015,000 | 36,646,000 |
| Total capital | 36,975,000 | 37,442,000 | 37,920,000 | 38,528,000 |
| Risk-weighted assets | 146,059,000 | 148,683,000 | 150,769,000 | 151,894,000 |