Call reports 2015
SAN LUIS VALLEY FEDERAL BANK — 2015
What SAN LUIS VALLEY FEDERAL 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 | 254,674,000 | 251,450,000 | 255,864,000 | 260,135,000 |
| Total loans | 152,186,000 | 152,425,000 | 152,233,000 | 154,021,000 |
| Allowance for loan losses | 1,889,000 | 1,924,000 | 1,855,000 | 1,527,000 |
| Securities available for sale | 68,078,000 | 71,940,000 | 68,363,000 | 77,362,000 |
| Securities held to maturity | 844,000 | 1,493,000 | 1,493,000 | 1,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,640,000 | 210,326,000 | 213,828,000 | 218,260,000 |
| Interest-bearing deposits | 191,685,000 | 186,829,000 | 188,703,000 | 190,836,000 |
| Noninterest-bearing deposits | 21,955,000 | 23,497,000 | 25,125,000 | 27,424,000 |
| Equity capital | 39,050,000 | 39,094,000 | 39,735,000 | 40,005,000 |
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 | 2,180,000 | 4,391,000 | 6,569,000 | 8,798,000 |
| Interest expense | 154,000 | 299,000 | 435,000 | 567,000 |
| Net interest income | 2,026,000 | 4,092,000 | 6,134,000 | 8,231,000 |
| Noninterest income | 373,000 | 752,000 | 1,186,000 | 1,594,000 |
| Noninterest expense | 1,762,000 | 3,560,000 | 5,342,000 | 7,224,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 607,000 | 1,238,000 | 1,950,000 | 2,573,000 |
| Income tax | 192,000 | 387,000 | 607,000 | 787,000 |
| Net income | 415,000 | 851,000 | 1,343,000 | 1,786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,836,000 | 39,272,000 | 39,764,000 | 40,207,000 |
| Total capital | 40,739,000 | 41,204,000 | 41,619,000 | 41,734,000 |
| Risk-weighted assets | 165,861,000 | 163,189,000 | 164,380,000 | 167,998,000 |