Call reports 2014
SAN LUIS VALLEY FEDERAL BANK — 2014
What SAN LUIS VALLEY FEDERAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 251,441,000 | 248,820,000 | 253,536,000 | 253,782,000 |
| Total loans | 158,315,000 | 157,235,000 | 155,531,000 | 154,327,000 |
| Allowance for loan losses | 1,870,000 | 1,844,000 | 1,865,000 | 1,872,000 |
| Securities available for sale | 66,011,000 | 66,982,000 | 66,032,000 | 63,166,000 |
| Securities held to maturity | 843,000 | 843,000 | 844,000 | 844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,876,000 | 208,815,000 | 213,095,000 | 213,394,000 |
| Interest-bearing deposits | 192,522,000 | 189,624,000 | 190,640,000 | 189,784,000 |
| Noninterest-bearing deposits | 19,354,000 | 19,191,000 | 22,455,000 | 23,610,000 |
| Equity capital | 36,878,000 | 37,484,000 | 37,825,000 | 38,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,251,000 | 4,524,000 | 6,714,000 | 8,891,000 |
| Interest expense | 189,000 | 376,000 | 554,000 | 720,000 |
| Net interest income | 2,062,000 | 4,148,000 | 6,160,000 | 8,171,000 |
| Noninterest income | 401,000 | 841,000 | 1,232,000 | 1,707,000 |
| Noninterest expense | 1,864,000 | 3,703,000 | 5,497,000 | 7,253,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 40,000 |
| Pretax income | 599,000 | 1,286,000 | 1,885,000 | 2,585,000 |
| Income tax | 187,000 | 404,000 | 588,000 | 810,000 |
| Net income | 412,000 | 882,000 | 1,297,000 | 1,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,943,000 | 37,412,000 | 37,828,000 | 38,306,000 |
| Total capital | 38,827,000 | 39,270,000 | 39,707,000 | 40,178,000 |
| Risk-weighted assets | 159,332,000 | 158,581,000 | 161,043,000 | 160,738,000 |